Home > Goldwater Bank, N.A. > Performance and Condition Ratios
Goldwater Bank, N.A., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9734% | 659 |
| Cost of funding earning assets | 2.1297% | 733 |
| Net interest margin | 3.8438% | 1,483 |
| Noninterest income to average assets | 2.2600% | 237 |
| Noninterest expense to average assets | 4.7183% | 254 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 0.7584% | 3,019 |
| Return on assets (ROA) | 0.7582% | 2,993 |
| Pretax return on assets | 0.9403% | 2,843 |
| Return on Equity (ROE) | 6.5200% | 3,413 |
| Retained earnings to average equity (ytd only) | 4.7562% | 2,691 |
| Net charge-offs to loans | -0.1375% | 4,528 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.5591% | 883 |
| Assets per employee ($millions) | 2.5207% | 4,426 |
| Cash dividends to net income (ytd only)* | 27.0609% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 1,652 |
| Loan loss allowance to noncurrent loans | 73.4674% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.9072% | 157 |
| Noncurrent loans to loans | 1.8083% | 332 |
| Net loans and leases to total assets | 89.5100% | 44 |
| Net loans and leases to deposits | 135.3142% | 32 |
| Net loans and leases to core deposits | 170.3427% | 118 |
| Total domestic deposits to total assets | 66.1500% | 4,376 |
| Equity capital to assets | 12.2087% | 1,061 |
| Core capital (leverage) ratio | 11.9730% | 1,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $441,574,000 | 1,889 |
| Average earning assets | $413,345,800 | 1,863 |
| Average equity | $51,343,400 | 1,575 |
| Average total loans | $395,554,000 | 1,484 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8855% | 616 |
| Cost of funding earning assets | 2.0714% | 627 |
| Net interest margin | 3.8140% | 1,567 |
| Noninterest income to average assets | 2.1400% | 267 |
| Noninterest expense to average assets | 4.8270% | 240 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 0.5005% | 3,767 |
| Return on assets (ROA) | 0.5002% | 3,766 |
| Pretax return on assets | 0.6538% | 3,636 |
| Return on Equity (ROE) | 4.3500% | 3,929 |
| Retained earnings to average equity (ytd only) | 2.9678% | 3,523 |
| Net charge-offs to loans | -0.0013% | 3,519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.5878% | 580 |
| Assets per employee ($millions) | 2.8750% | 4,416 |
| Cash dividends to net income (ytd only)* | 31.8510% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 2,666 |
| Loan loss allowance to noncurrent loans | 94.5078% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 1.3046% | 319 |
| Noncurrent loans to loans | 1.2085% | 644 |
| Net loans and leases to total assets | 89.1400% | 53 |
| Net loans and leases to deposits | 129.0280% | 44 |
| Net loans and leases to core deposits | 153.5721% | 133 |
| Total domestic deposits to total assets | 69.0900% | 4,345 |
| Equity capital to assets | 11.6586% | 1,135 |
| Core capital (leverage) ratio | 11.5694% | 1,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $443,577,500 | 1,881 |
| Average earning assets | $414,389,000 | 1,857 |
| Average equity | $50,946,250 | 1,573 |
| Average total loans | $396,118,000 | 1,474 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8543% | 532 |
| Cost of funding earning assets | 2.0071% | 487 |
| Net interest margin | 3.8471% | 1,528 |
| Noninterest income to average assets | 2.5800% | 199 |
| Noninterest expense to average assets | 5.1463% | 211 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 0.6070% | 3,557 |
| Return on assets (ROA) | 0.6065% | 3,567 |
| Pretax return on assets | 0.7926% | 3,416 |
| Return on Equity (ROE) | 5.3100% | 3,837 |
| Retained earnings to average equity (ytd only) | 3.5211% | 3,343 |
| Net charge-offs to loans | -0.0015% | 3,499 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.4807% | 625 |
| Assets per employee ($millions) | 3.1162% | 4,418 |
| Cash dividends to net income (ytd only)* | 33.6553% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 3,098 |
| Loan loss allowance to noncurrent loans | 117.2517% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.9993% | 470 |
| Noncurrent loans to loans | 0.9111% | 840 |
| Net loans and leases to total assets | 88.9200% | 56 |
| Net loans and leases to deposits | 129.2615% | 56 |
| Net loans and leases to core deposits | 150.8964% | 141 |
| Total domestic deposits to total assets | 68.7900% | 4,387 |
| Equity capital to assets | 11.4510% | 1,213 |
| Core capital (leverage) ratio | 11.5292% | 1,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $443,855,000 | 1,877 |
| Average earning assets | $414,021,667 | 1,864 |
| Average equity | $50,722,333 | 1,583 |
| Average total loans | $395,075,667 | 1,464 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7718% | 434 |
| Cost of funding earning assets | 1.9645% | 322 |
| Net interest margin | 3.8073% | 1,674 |
| Noninterest income to average assets | 3.8800% | 149 |
| Noninterest expense to average assets | 6.0478% | 178 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 0.8799% | 2,922 |
| Return on assets (ROA) | 0.8790% | 2,881 |
| Pretax return on assets | 1.1490% | 2,577 |
| Return on Equity (ROE) | 7.7000% | 3,369 |
| Retained earnings to average equity (ytd only) | 4.7071% | 3,087 |
| Net charge-offs to loans | -0.0010% | 3,325 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.4598% | 741 |
| Assets per employee ($millions) | 2.0987% | 4,568 |
| Cash dividends to net income (ytd only)* | 38.8660% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 3,445 |
| Loan loss allowance to noncurrent loans | 102.5790% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.0657% | 374 |
| Noncurrent loans to loans | 0.9929% | 731 |
| Net loans and leases to total assets | 88.2000% | 65 |
| Net loans and leases to deposits | 133.9728% | 37 |
| Net loans and leases to core deposits | 160.6587% | 88 |
| Total domestic deposits to total assets | 65.8300% | 4,484 |
| Equity capital to assets | 11.4283% | 1,180 |
| Core capital (leverage) ratio | 11.6144% | 1,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $441,417,000 | 1,902 |
| Average earning assets | $410,480,000 | 1,901 |
| Average equity | $50,391,500 | 1,605 |
| Average total loans | $390,944,500 | 1,497 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0623% | 270 |
| Cost of funding earning assets | 0.7614% | 452 |
| Net interest margin | 4.3008% | 420 |
| Noninterest income to average assets | 8.1900% | 109 |
| Noninterest expense to average assets | 10.9931% | 102 |
| Loan and lease loss provision to assets | 0.4300% | 153 |
| Net operating income to assets | 0.4551% | 4,160 |
| Return on assets (ROA) | 0.4580% | 4,117 |
| Pretax return on assets | 0.6108% | 4,011 |
| Return on Equity (ROE) | 3.5600% | 4,231 |
| Retained earnings to average equity (ytd only) | 1.7067% | 4,042 |
| Net charge-offs to loans | -0.0035% | 3,548 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 91.3580% | 271 |
| Assets per employee ($millions) | 1.8389% | 4,611 |
| Cash dividends to net income (ytd only)* | 52.0989% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 3,431 |
| Loan loss allowance to noncurrent loans | 94.0217% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.1145% | 361 |
| Noncurrent loans to loans | 1.0554% | 686 |
| Net loans and leases to total assets | 87.1400% | 98 |
| Net loans and leases to deposits | 142.2727% | 22 |
| Net loans and leases to core deposits | 164.8572% | 58 |
| Total domestic deposits to total assets | 61.2500% | 4,570 |
| Equity capital to assets | 11.4030% | 1,112 |
| Core capital (leverage) ratio | 12.2368% | 1,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $379,655,800 | 2,105 |
| Average earning assets | $339,354,400 | 2,158 |
| Average equity | $48,807,000 | 1,651 |
| Average total loans | $318,684,600 | 1,643 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8448% | 264 |
| Cost of funding earning assets | 0.5972% | 447 |
| Net interest margin | 4.2476% | 376 |
| Noninterest income to average assets | 9.1200% | 106 |
| Noninterest expense to average assets | 12.4043% | 92 |
| Loan and lease loss provision to assets | 0.3600% | 169 |
| Net operating income to assets | 0.0937% | 4,546 |
| Return on assets (ROA) | 0.0937% | 4,518 |
| Pretax return on assets | 0.1065% | 4,515 |
| Return on Equity (ROE) | 0.7100% | 4,519 |
| Retained earnings to average equity (ytd only) | -1.5725% | 4,463 |
| Net charge-offs to loans | -0.0018% | 3,244 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 96.3871% | 195 |
| Assets per employee ($millions) | 1.5974% | 4,655 |
| Cash dividends to net income (ytd only)* | 322.9572% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9153% | 3,808 |
| Loan loss allowance to noncurrent loans | 75.8754% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.1840% | 352 |
| Noncurrent loans to loans | 1.2064% | 610 |
| Net loans and leases to total assets | 87.6200% | 70 |
| Net loans and leases to deposits | 123.0029% | 45 |
| Net loans and leases to core deposits | 140.8343% | 96 |
| Total domestic deposits to total assets | 71.2300% | 4,520 |
| Equity capital to assets | 12.4401% | 787 |
| Core capital (leverage) ratio | 12.5193% | 1,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $365,616,250 | 2,169 |
| Average earning assets | $323,030,000 | 2,241 |
| Average equity | $48,584,750 | 1,675 |
| Average total loans | $302,464,250 | 1,702 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5422% | 352 |
| Cost of funding earning assets | 0.5111% | 486 |
| Net interest margin | 4.0311% | 465 |
| Noninterest income to average assets | 9.6895% | 62 |
| Noninterest expense to average assets | 13.2321% | 55 |
| Loan and lease loss provision to assets | 0.3479% | 173 |
| Net operating income to assets | -0.4133% | 4,672 |
| Return on assets (ROA) | -0.4133% | 4,652 |
| Pretax return on assets | -0.3977% | 4,635 |
| Return on Equity (ROE) | -3.0401% | 4,644 |
| Retained earnings to average equity (ytd only) | -4.9011% | 4,537 |
| Net charge-offs to loans | -0.0014% | 3,070 |
| Credit loss provision to net charge-offs | -31,150.0000% | 3,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6821% | 183 |
| Assets per employee ($millions) | 1.3733% | 4,723 |
| Cash dividends to net income (ytd only)* | -61.2162% | 4,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8682% | 4,038 |
| Loan loss allowance to noncurrent loans | 81.4533% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.9737% | 491 |
| Noncurrent loans to loans | 1.0659% | 774 |
| Net loans and leases to total assets | 85.2903% | 116 |
| Net loans and leases to deposits | 119.8943% | 44 |
| Net loans and leases to core deposits | 137.9221% | 86 |
| Total domestic deposits to total assets | 71.1379% | 4,600 |
| Equity capital to assets | 12.8057% | 701 |
| Core capital (leverage) ratio | 13.0664% | 804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $358,098,000 | 2,211 |
| Average earning assets | $310,291,333 | 2,324 |
| Average equity | $48,683,333 | 1,712 |
| Average total loans | $288,865,333 | 1,758 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4051% | 374 |
| Cost of funding earning assets | 0.5325% | 415 |
| Net interest margin | 3.8726% | 537 |
| Noninterest income to average assets | 11.2732% | 56 |
| Noninterest expense to average assets | 12.8046% | 53 |
| Loan and lease loss provision to assets | 0.2028% | 357 |
| Net operating income to assets | 1.1337% | 1,430 |
| Return on assets (ROA) | 1.1337% | 1,424 |
| Pretax return on assets | 1.4972% | 1,027 |
| Return on Equity (ROE) | 8.0902% | 2,657 |
| Retained earnings to average equity (ytd only) | 5.0248% | 2,587 |
| Net charge-offs to loans | -0.0015% | 3,062 |
| Credit loss provision to net charge-offs | -17,800.0000% | 3,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8060% | 606 |
| Assets per employee ($millions) | 1.2955% | 4,752 |
| Cash dividends to net income (ytd only)* | 37.8894% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8294% | 4,199 |
| Loan loss allowance to noncurrent loans | 60.3881% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.1525% | 389 |
| Noncurrent loans to loans | 1.3734% | 625 |
| Net loans and leases to total assets | 78.9106% | 302 |
| Net loans and leases to deposits | 109.7343% | 69 |
| Net loans and leases to core deposits | 126.3104% | 113 |
| Total domestic deposits to total assets | 71.9106% | 4,625 |
| Equity capital to assets | 13.9949% | 530 |
| Core capital (leverage) ratio | 13.9672% | 591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $351,062,000 | 2,252 |
| Average earning assets | $292,933,000 | 2,432 |
| Average equity | $49,195,500 | 1,757 |
| Average total loans | $273,195,500 | 1,825 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4891% | 609 |
| Cost of funding earning assets | 0.5809% | 602 |
| Net interest margin | 3.9082% | 842 |
| Noninterest income to average assets | 22.7192% | 36 |
| Noninterest expense to average assets | 23.6262% | 33 |
| Loan and lease loss provision to assets | 0.5090% | 111 |
| Net operating income to assets | 1.4938% | 1,032 |
| Return on assets (ROA) | 1.4970% | 1,078 |
| Pretax return on assets | 1.9625% | 650 |
| Return on Equity (ROE) | 13.8244% | 1,238 |
| Retained earnings to average equity (ytd only) | 13.0229% | 400 |
| Net charge-offs to loans | 0.2464% | 376 |
| Credit loss provision to net charge-offs | 255.0512% | 1,153 |
| Earnings coverage of net charge-offs (x) | 12.3675% | 2,117 |
| Efficiency ratio | 90.6608% | 309 |
| Assets per employee ($millions) | 1.3051% | 4,796 |
| Cash dividends to net income (ytd only)* | 5.7974% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8133% | 4,247 |
| Loan loss allowance to noncurrent loans | 97.7324% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.6934% | 918 |
| Noncurrent loans to loans | 0.8322% | 1,223 |
| Net loans and leases to total assets | 75.4242% | 553 |
| Net loans and leases to deposits | 105.3058% | 115 |
| Net loans and leases to core deposits | 123.4328% | 136 |
| Total domestic deposits to total assets | 71.6240% | 4,649 |
| Equity capital to assets | 14.0320% | 655 |
| Core capital (leverage) ratio | 13.2897% | 731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $342,222,000 | 2,234 |
| Average earning assets | $295,558,200 | 2,350 |
| Average equity | $37,057,800 | 2,197 |
| Average total loans | $277,233,800 | 1,803 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4614% | 721 |
| Cost of funding earning assets | 0.5893% | 673 |
| Net interest margin | 3.8722% | 987 |
| Noninterest income to average assets | 25.6015% | 32 |
| Noninterest expense to average assets | 26.1213% | 30 |
| Loan and lease loss provision to assets | 0.6426% | 75 |
| Net operating income to assets | 1.7002% | 826 |
| Return on assets (ROA) | 1.7002% | 865 |
| Pretax return on assets | 2.1914% | 556 |
| Return on Equity (ROE) | 16.9857% | 764 |
| Retained earnings to average equity (ytd only) | 16.1254% | 289 |
| Net charge-offs to loans | 0.3197% | 240 |
| Credit loss provision to net charge-offs | 244.3452% | 1,115 |
| Earnings coverage of net charge-offs (x) | 10.7753% | 2,025 |
| Efficiency ratio | 90.3206% | 308 |
| Assets per employee ($millions) | 0.9508% | 4,880 |
| Cash dividends to net income (ytd only)* | 5.0645% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7277% | 4,457 |
| Loan loss allowance to noncurrent loans | 70.1766% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 0.8755% | 791 |
| Noncurrent loans to loans | 1.0369% | 1,096 |
| Net loans and leases to total assets | 78.2134% | 390 |
| Net loans and leases to deposits | 103.2932% | 164 |
| Net loans and leases to core deposits | 117.0069% | 214 |
| Total domestic deposits to total assets | 75.7198% | 4,560 |
| Equity capital to assets | 10.0476% | 2,861 |
| Core capital (leverage) ratio | 10.1149% | 2,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $340,664,250 | 2,263 |
| Average earning assets | $295,055,250 | 2,382 |
| Average equity | $34,098,500 | 2,361 |
| Average total loans | $280,299,000 | 1,822 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 1,126 |
| Cost of funding earning assets | 0.6055% | 727 |
| Net interest margin | 3.6250% | 1,533 |
| Noninterest income to average assets | 28.7718% | 32 |
| Noninterest expense to average assets | 28.5910% | 28 |
| Loan and lease loss provision to assets | 0.9829% | 39 |
| Net operating income to assets | 1.8378% | 660 |
| Return on assets (ROA) | 1.8378% | 687 |
| Pretax return on assets | 2.3694% | 428 |
| Return on Equity (ROE) | 18.3858% | 607 |
| Retained earnings to average equity (ytd only) | 17.5114% | 247 |
| Net charge-offs to loans | 0.4816% | 172 |
| Credit loss provision to net charge-offs | 244.3452% | 971 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 1,885 |
| Efficiency ratio | 89.6085% | 355 |
| Assets per employee ($millions) | 0.8458% | 4,919 |
| Cash dividends to net income (ytd only)* | 4.7557% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6876% | 4,557 |
| Loan loss allowance to noncurrent loans | 49.1437% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.2793% | 506 |
| Noncurrent loans to loans | 1.3992% | 836 |
| Net loans and leases to total assets | 86.4665% | 68 |
| Net loans and leases to deposits | 116.1826% | 67 |
| Net loans and leases to core deposits | 132.6384% | 115 |
| Total domestic deposits to total assets | 74.4229% | 4,640 |
| Equity capital to assets | 10.1203% | 2,749 |
| Core capital (leverage) ratio | 10.4631% | 1,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $334,098,000 | 2,285 |
| Average earning assets | $292,304,000 | 2,388 |
| Average equity | $33,395,333 | 2,387 |
| Average total loans | $279,092,667 | 1,841 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1849% | 1,225 |
| Cost of funding earning assets | 0.6519% | 684 |
| Net interest margin | 3.5330% | 1,740 |
| Noninterest income to average assets | 32.4007% | 27 |
| Noninterest expense to average assets | 31.6241% | 26 |
| Loan and lease loss provision to assets | 1.7821% | 16 |
| Net operating income to assets | 1.5898% | 1,146 |
| Return on assets (ROA) | 1.5898% | 1,197 |
| Pretax return on assets | 2.0621% | 855 |
| Return on Equity (ROE) | 16.0096% | 1,013 |
| Retained earnings to average equity (ytd only) | 15.1270% | 616 |
| Net charge-offs to loans | 1.0015% | 77 |
| Credit loss provision to net charge-offs | 217.8571% | 865 |
| Earnings coverage of net charge-offs (x) | 4.6994% | 1,715 |
| Efficiency ratio | 89.3846% | 388 |
| Assets per employee ($millions) | 0.6752% | 4,951 |
| Cash dividends to net income (ytd only)* | 5.5130% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6936% | 4,582 |
| Loan loss allowance to noncurrent loans | 53.7432% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.1234% | 693 |
| Noncurrent loans to loans | 1.2906% | 1,005 |
| Net loans and leases to total assets | 81.5403% | 246 |
| Net loans and leases to deposits | 112.5183% | 117 |
| Net loans and leases to core deposits | 128.7496% | 154 |
| Total domestic deposits to total assets | 72.4685% | 4,710 |
| Equity capital to assets | 10.0290% | 2,680 |
| Core capital (leverage) ratio | 10.1738% | 2,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $328,598,000 | 2,296 |
| Average earning assets | $285,313,500 | 2,410 |
| Average equity | $32,630,500 | 2,412 |
| Average total loans | $268,409,000 | 1,883 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1112% | 2,389 |
| Cost of funding earning assets | 1.1279% | 358 |
| Net interest margin | 2.9834% | 3,927 |
| Noninterest income to average assets | 37.6392% | 27 |
| Noninterest expense to average assets | 34.6830% | 23 |
| Loan and lease loss provision to assets | 0.2267% | 1,724 |
| Net operating income to assets | 4.5356% | 48 |
| Return on assets (ROA) | 4.5382% | 48 |
| Pretax return on assets | 5.2948% | 49 |
| Return on Equity (ROE) | 47.7557% | 20 |
| Retained earnings to average equity (ytd only) | 46.6021% | 9 |
| Net charge-offs to loans | -0.0173% | 4,389 |
| Credit loss provision to net charge-offs | -1,605.2632% | 4,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1251% | 526 |
| Assets per employee ($millions) | 0.7419% | 4,973 |
| Cash dividends to net income (ytd only)* | 2.4157% | 3,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4142% | 4,850 |
| Loan loss allowance to noncurrent loans | 68.1592% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 0.5585% | 1,890 |
| Noncurrent loans to loans | 0.6077% | 2,181 |
| Net loans and leases to total assets | 80.9123% | 372 |
| Net loans and leases to deposits | 117.5803% | 87 |
| Net loans and leases to core deposits | 131.4715% | 185 |
| Total domestic deposits to total assets | 68.8145% | 4,797 |
| Equity capital to assets | 9.8297% | 3,285 |
| Core capital (leverage) ratio | 10.4394% | 2,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,094,400 | 2,467 |
| Average earning assets | $231,147,000 | 2,596 |
| Average equity | $25,571,800 | 2,762 |
| Average total loans | $219,141,200 | 2,109 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0495% | 2,825 |
| Cost of funding earning assets | 1.2723% | 279 |
| Net interest margin | 2.7772% | 4,371 |
| Noninterest income to average assets | 38.5455% | 25 |
| Noninterest expense to average assets | 34.3382% | 24 |
| Loan and lease loss provision to assets | 0.1930% | 2,049 |
| Net operating income to assets | 5.4635% | 42 |
| Return on assets (ROA) | 5.4635% | 40 |
| Pretax return on assets | 6.4049% | 40 |
| Return on Equity (ROE) | 58.1319% | 15 |
| Retained earnings to average equity (ytd only) | 56.8910% | 9 |
| Net charge-offs to loans | -0.0244% | 4,469 |
| Credit loss provision to net charge-offs | -971.0526% | 3,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5771% | 635 |
| Assets per employee ($millions) | 0.7377% | 5,003 |
| Cash dividends to net income (ytd only)* | 2.1346% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3539% | 4,909 |
| Loan loss allowance to noncurrent loans | 31.9985% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 0.9417% | 1,203 |
| Noncurrent loans to loans | 1.1060% | 1,365 |
| Net loans and leases to total assets | 78.6341% | 756 |
| Net loans and leases to deposits | 118.4046% | 128 |
| Net loans and leases to core deposits | 132.4188% | 216 |
| Total domestic deposits to total assets | 66.4113% | 4,841 |
| Equity capital to assets | 9.9059% | 3,320 |
| Core capital (leverage) ratio | 10.7703% | 2,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,944,000 | 2,533 |
| Average earning assets | $219,445,500 | 2,663 |
| Average equity | $23,961,000 | 2,873 |
| Average total loans | $207,770,500 | 2,179 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0224% | 3,266 |
| Cost of funding earning assets | 1.4487% | 189 |
| Net interest margin | 2.5737% | 4,680 |
| Noninterest income to average assets | 36.5633% | 26 |
| Noninterest expense to average assets | 34.4866% | 23 |
| Loan and lease loss provision to assets | 0.2035% | 2,019 |
| Net operating income to assets | 4.0987% | 45 |
| Return on assets (ROA) | 4.0987% | 44 |
| Pretax return on assets | 4.1122% | 60 |
| Return on Equity (ROE) | 44.6442% | 24 |
| Retained earnings to average equity (ytd only) | 43.2797% | 12 |
| Net charge-offs to loans | -0.0305% | 4,552 |
| Credit loss provision to net charge-offs | -806.6667% | 3,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6048% | 428 |
| Assets per employee ($millions) | 0.7557% | 5,036 |
| Cash dividends to net income (ytd only)* | 3.0564% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3045% | 4,954 |
| Loan loss allowance to noncurrent loans | 32.0570% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 0.8647% | 1,436 |
| Noncurrent loans to loans | 0.9500% | 1,628 |
| Net loans and leases to total assets | 82.9549% | 330 |
| Net loans and leases to deposits | 125.2500% | 64 |
| Net loans and leases to core deposits | 144.0309% | 141 |
| Total domestic deposits to total assets | 66.2314% | 4,881 |
| Equity capital to assets | 8.7411% | 4,324 |
| Core capital (leverage) ratio | 9.7593% | 3,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,878,000 | 2,621 |
| Average earning assets | $206,941,000 | 2,732 |
| Average equity | $21,839,333 | 3,002 |
| Average total loans | $196,498,333 | 2,241 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1077% | 3,509 |
| Cost of funding earning assets | 1.5897% | 199 |
| Net interest margin | 2.5179% | 4,814 |
| Noninterest income to average assets | 24.6281% | 33 |
| Noninterest expense to average assets | 25.5147% | 32 |
| Loan and lease loss provision to assets | 0.2235% | 1,386 |
| Net operating income to assets | 1.0878% | 1,884 |
| Return on assets (ROA) | 1.0878% | 1,982 |
| Pretax return on assets | 1.0878% | 2,562 |
| Return on Equity (ROE) | 11.4845% | 1,267 |
| Retained earnings to average equity (ytd only) | 10.0293% | 743 |
| Net charge-offs to loans | -0.0657% | 4,712 |
| Credit loss provision to net charge-offs | -413.7931% | 3,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2161% | 371 |
| Assets per employee ($millions) | 0.7201% | 5,083 |
| Cash dividends to net income (ytd only)* | 12.6712% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3116% | 4,986 |
| Loan loss allowance to noncurrent loans | 32.3052% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 0.7637% | 1,768 |
| Noncurrent loans to loans | 0.9646% | 1,703 |
| Net loans and leases to total assets | 78.9270% | 837 |
| Net loans and leases to deposits | 115.6461% | 118 |
| Net loans and leases to core deposits | 138.5133% | 180 |
| Total domestic deposits to total assets | 68.2487% | 4,917 |
| Equity capital to assets | 8.5139% | 4,827 |
| Core capital (leverage) ratio | 10.3938% | 3,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,747,000 | 2,751 |
| Average earning assets | $187,454,500 | 2,853 |
| Average equity | $20,340,500 | 3,140 |
| Average total loans | $176,533,500 | 2,395 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6619% | 2,431 |
| Cost of funding earning assets | 1.7242% | 181 |
| Net interest margin | 2.9377% | 4,608 |
| Noninterest income to average assets | 37.1260% | 27 |
| Noninterest expense to average assets | 35.0674% | 26 |
| Loan and lease loss provision to assets | 0.0175% | 3,665 |
| Net operating income to assets | 5.1612% | 38 |
| Return on assets (ROA) | 5.1629% | 41 |
| Pretax return on assets | 4.6635% | 55 |
| Return on Equity (ROE) | 58.5601% | 7 |
| Retained earnings to average equity (ytd only) | 57.0825% | 1 |
| Net charge-offs to loans | -0.0423% | 4,792 |
| Credit loss provision to net charge-offs | -50.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1979% | 428 |
| Assets per employee ($millions) | 0.5916% | 5,146 |
| Cash dividends to net income (ytd only)* | 2.5232% | 3,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2774% | 5,053 |
| Loan loss allowance to noncurrent loans | 22.5126% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 1.0612% | 1,171 |
| Noncurrent loans to loans | 1.2323% | 1,214 |
| Net loans and leases to total assets | 85.8782% | 171 |
| Net loans and leases to deposits | 107.4938% | 238 |
| Net loans and leases to core deposits | 129.7162% | 281 |
| Total domestic deposits to total assets | 79.8913% | 4,001 |
| Equity capital to assets | 10.7078% | 3,250 |
| Core capital (leverage) ratio | 10.6517% | 2,807 |
| Tier 1 risk-based capital ratio | 20.6054% | 1,238 |
| Total risk-based capital ratio | 21.6784% | 1,230 |
| Memoranda: | ||
| Average total assets | $171,182,000 | 3,101 |
| Average earning assets | $152,705,200 | 3,155 |
| Average equity | $15,092,200 | 3,629 |
| Average total loans | $141,717,600 | 2,704 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5999% | 2,723 |
| Cost of funding earning assets | 1.6961% | 205 |
| Net interest margin | 2.9038% | 4,752 |
| Noninterest income to average assets | 38.1919% | 26 |
| Noninterest expense to average assets | 35.7247% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 5.0158% | 36 |
| Return on assets (ROA) | 5.0158% | 38 |
| Pretax return on assets | 5.0477% | 47 |
| Return on Equity (ROE) | 60.5343% | 7 |
| Retained earnings to average equity (ytd only) | 59.0994% | 2 |
| Net charge-offs to loans | -0.0302% | 4,702 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4476% | 429 |
| Assets per employee ($millions) | 0.5554% | 5,229 |
| Cash dividends to net income (ytd only)* | 2.3703% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2389% | 5,151 |
| Loan loss allowance to noncurrent loans | 28.2088% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 0.7053% | 1,941 |
| Noncurrent loans to loans | 0.8468% | 1,887 |
| Net loans and leases to total assets | 83.0888% | 441 |
| Net loans and leases to deposits | 105.2505% | 349 |
| Net loans and leases to core deposits | 124.9037% | 392 |
| Total domestic deposits to total assets | 78.9438% | 4,197 |
| Equity capital to assets | 8.9962% | 4,780 |
| Core capital (leverage) ratio | 10.2440% | 3,370 |
| Tier 1 risk-based capital ratio | 18.0565% | 1,797 |
| Total risk-based capital ratio | 18.9738% | 1,850 |
| Memoranda: | ||
| Average total assets | $167,096,000 | 3,157 |
| Average earning assets | $148,492,500 | 3,220 |
| Average equity | $13,845,250 | 3,808 |
| Average total loans | $136,774,000 | 2,779 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6450% | 2,530 |
| Cost of funding earning assets | 1.7212% | 169 |
| Net interest margin | 2.9238% | 4,795 |
| Noninterest income to average assets | 36.6165% | 26 |
| Noninterest expense to average assets | 35.0964% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 4.0692% | 47 |
| Return on assets (ROA) | 4.0692% | 51 |
| Pretax return on assets | 4.1022% | 61 |
| Return on Equity (ROE) | 50.9156% | 10 |
| Retained earnings to average equity (ytd only) | 49.7407% | 3 |
| Net charge-offs to loans | -0.0281% | 4,660 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5348% | 370 |
| Assets per employee ($millions) | 0.4664% | 5,279 |
| Cash dividends to net income (ytd only)* | 2.3075% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2597% | 5,198 |
| Loan loss allowance to noncurrent loans | 26.0388% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 0.8506% | 1,658 |
| Noncurrent loans to loans | 0.9973% | 1,641 |
| Net loans and leases to total assets | 85.0694% | 277 |
| Net loans and leases to deposits | 99.4272% | 715 |
| Net loans and leases to core deposits | 117.0799% | 644 |
| Total domestic deposits to total assets | 85.5594% | 2,242 |
| Equity capital to assets | 8.5707% | 5,015 |
| Core capital (leverage) ratio | 9.0197% | 4,615 |
| Tier 1 risk-based capital ratio | 15.8919% | 2,461 |
| Total risk-based capital ratio | 16.8132% | 2,530 |
| Memoranda: | ||
| Average total assets | $157,623,000 | 3,270 |
| Average earning assets | $139,203,000 | 3,339 |
| Average equity | $12,597,330 | 3,972 |
| Average total loans | $128,085,330 | 2,895 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4230% | 41 |
| Cost of funding earning assets | 1.7028% | 157 |
| Net interest margin | 6.7202% | 43 |
| Noninterest income to average assets | 29.4130% | 32 |
| Noninterest expense to average assets | 33.6465% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5810% | 932 |
| Return on assets (ROA) | 1.5810% | 960 |
| Pretax return on assets | 1.6206% | 1,417 |
| Return on Equity (ROE) | 20.6178% | 232 |
| Retained earnings to average equity (ytd only) | 20.6178% | 93 |
| Net charge-offs to loans | -0.0367% | 4,725 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4049% | 244 |
| Assets per employee ($millions) | 0.4274% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3092% | 5,240 |
| Loan loss allowance to noncurrent loans | 21.2926% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 1.3456% | 949 |
| Noncurrent loans to loans | 1.4519% | 1,112 |
| Net loans and leases to total assets | 75.2409% | 1,604 |
| Net loans and leases to deposits | 84.4535% | 2,333 |
| Net loans and leases to core deposits | 99.2518% | 1,689 |
| Total domestic deposits to total assets | 89.0916% | 823 |
| Equity capital to assets | 7.5570% | 5,256 |
| Core capital (leverage) ratio | 8.1963% | 5,140 |
| Tier 1 risk-based capital ratio | 14.8539% | 2,937 |
| Total risk-based capital ratio | 15.8651% | 2,980 |
| Memoranda: | ||
| Average total assets | $151,552,000 | 3,369 |
| Average earning assets | $132,019,500 | 3,488 |
| Average equity | $11,621,000 | 4,113 |
| Average total loans | $119,731,000 | 3,022 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3888% | 57 |
| Cost of funding earning assets | 1.2324% | 298 |
| Net interest margin | 6.1565% | 67 |
| Noninterest income to average assets | 26.8066% | 33 |
| Noninterest expense to average assets | 33.1134% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.6277% | 5,326 |
| Return on assets (ROA) | -0.6277% | 5,320 |
| Pretax return on assets | -0.7514% | 5,326 |
| Return on Equity (ROE) | -9.0482% | 5,343 |
| Retained earnings to average equity (ytd only) | -10.3699% | 5,324 |
| Net charge-offs to loans | -0.0275% | 4,786 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3220% | 123 |
| Assets per employee ($millions) | 0.3633% | 5,387 |
| Cash dividends to net income (ytd only)* | -14.6078% | 5,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2981% | 5,282 |
| Loan loss allowance to noncurrent loans | 20.4221% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 1.2997% | 981 |
| Noncurrent loans to loans | 1.4596% | 1,052 |
| Net loans and leases to total assets | 82.6062% | 571 |
| Net loans and leases to deposits | 100.2293% | 725 |
| Net loans and leases to core deposits | 117.5617% | 631 |
| Total domestic deposits to total assets | 82.4172% | 3,517 |
| Equity capital to assets | 7.7890% | 5,223 |
| Core capital (leverage) ratio | 7.5738% | 5,315 |
| Tier 1 risk-based capital ratio | 14.4492% | 3,088 |
| Total risk-based capital ratio | 15.5393% | 3,088 |
| Memoranda: | ||
| Average total assets | $162,490,000 | 3,247 |
| Average earning assets | $146,626,400 | 3,291 |
| Average equity | $11,273,000 | 4,118 |
| Average total loans | $138,267,400 | 2,785 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8319% | 67 |
| Cost of funding earning assets | 1.1321% | 350 |
| Net interest margin | 5.6998% | 87 |
| Noninterest income to average assets | 26.4235% | 34 |
| Noninterest expense to average assets | 32.6325% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -1.0587% | 5,426 |
| Return on assets (ROA) | -1.0587% | 5,420 |
| Pretax return on assets | -1.0235% | 5,415 |
| Return on Equity (ROE) | -15.6775% | 5,444 |
| Retained earnings to average equity (ytd only) | -17.4405% | 5,436 |
| Net charge-offs to loans | -0.0401% | 4,853 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2380% | 114 |
| Assets per employee ($millions) | 0.3891% | 5,456 |
| Cash dividends to net income (ytd only)* | -11.2452% | 5,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2640% | 5,374 |
| Loan loss allowance to noncurrent loans | 32.4107% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 0.7089% | 2,077 |
| Noncurrent loans to loans | 0.8146% | 2,075 |
| Net loans and leases to total assets | 86.7997% | 200 |
| Net loans and leases to deposits | 97.2561% | 1,021 |
| Net loans and leases to core deposits | 112.2715% | 901 |
| Total domestic deposits to total assets | 89.2486% | 754 |
| Equity capital to assets | 6.9302% | 5,392 |
| Core capital (leverage) ratio | 6.8658% | 5,434 |
| Tier 1 risk-based capital ratio | 14.0456% | 3,353 |
| Total risk-based capital ratio | 15.1669% | 3,320 |
| Memoranda: | ||
| Average total assets | $166,872,500 | 3,226 |
| Average earning assets | $151,814,500 | 3,252 |
| Average equity | $11,268,500 | 4,163 |
| Average total loans | $142,808,250 | 2,749 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7154% | 70 |
| Cost of funding earning assets | 1.0556% | 357 |
| Net interest margin | 5.6598% | 94 |
| Noninterest income to average assets | 24.7454% | 35 |
| Noninterest expense to average assets | 31.4967% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -1.6345% | 5,501 |
| Return on assets (ROA) | -1.6345% | 5,494 |
| Pretax return on assets | -1.5992% | 5,489 |
| Return on Equity (ROE) | -24.4044% | 5,513 |
| Retained earnings to average equity (ytd only) | -25.7055% | 5,503 |
| Net charge-offs to loans | -0.0180% | 4,519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.3490% | 117 |
| Assets per employee ($millions) | 0.4493% | 5,516 |
| Cash dividends to net income (ytd only)* | -5.3314% | 5,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2290% | 5,448 |
| Loan loss allowance to noncurrent loans | 26.6827% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 0.7528% | 1,977 |
| Noncurrent loans to loans | 0.8582% | 2,008 |
| Net loans and leases to total assets | 87.5121% | 168 |
| Net loans and leases to deposits | 117.2901% | 140 |
| Net loans and leases to core deposits | 138.2260% | 211 |
| Total domestic deposits to total assets | 74.6117% | 4,988 |
| Equity capital to assets | 6.6200% | 5,475 |
| Core capital (leverage) ratio | 6.7698% | 5,494 |
| Tier 1 risk-based capital ratio | 14.2690% | 3,224 |
| Total risk-based capital ratio | 15.3383% | 3,236 |
| Memoranda: | ||
| Average total assets | $169,833,670 | 3,217 |
| Average earning assets | $154,600,000 | 3,238 |
| Average equity | $11,375,000 | 4,171 |
| Average total loans | $144,578,670 | 2,734 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1929% | 104 |
| Cost of funding earning assets | 0.9782% | 414 |
| Net interest margin | 5.2146% | 155 |
| Noninterest income to average assets | 21.3921% | 39 |
| Noninterest expense to average assets | 30.2575% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -4.1709% | 5,592 |
| Return on assets (ROA) | -4.1709% | 5,590 |
| Pretax return on assets | -4.1383% | 5,590 |
| Return on Equity (ROE) | -61.9266% | 5,599 |
| Retained earnings to average equity (ytd only) | -64.4838% | 5,597 |
| Net charge-offs to loans | 0.0194% | 2,108 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -254.0000% | 2,720 |
| Efficiency ratio | 115.8439% | 76 |
| Assets per employee ($millions) | 0.3545% | 5,581 |
| Cash dividends to net income (ytd only)* | -4.1295% | 5,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2481% | 5,509 |
| Loan loss allowance to noncurrent loans | 29.6121% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 0.6999% | 2,228 |
| Noncurrent loans to loans | 0.8379% | 2,142 |
| Net loans and leases to total assets | 83.3191% | 509 |
| Net loans and leases to deposits | 91.6497% | 1,490 |
| Net loans and leases to core deposits | 106.4891% | 1,200 |
| Total domestic deposits to total assets | 90.9104% | 348 |
| Equity capital to assets | 7.0126% | 5,510 |
| Core capital (leverage) ratio | 6.3050% | 5,566 |
| Tier 1 risk-based capital ratio | 14.2879% | 3,233 |
| Total risk-based capital ratio | 15.4048% | 3,223 |
| Memoranda: | ||
| Average total assets | $171,858,000 | 3,228 |
| Average earning assets | $155,792,000 | 3,257 |
| Average equity | $11,575,000 | 4,181 |
| Average total loans | $144,160,500 | 2,761 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7153% | 193 |
| Cost of funding earning assets | 0.8987% | 372 |
| Net interest margin | 4.8166% | 342 |
| Noninterest income to average assets | 33.4544% | 32 |
| Noninterest expense to average assets | 37.6420% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3964% | 4,706 |
| Return on assets (ROA) | 0.3964% | 4,718 |
| Pretax return on assets | 0.2067% | 5,307 |
| Return on Equity (ROE) | 5.8433% | 3,826 |
| Retained earnings to average equity (ytd only) | 3.9129% | 2,856 |
| Net charge-offs to loans | 0.0303% | 3,194 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 8.1860% | 2,946 |
| Efficiency ratio | 99.4538% | 179 |
| Assets per employee ($millions) | 0.4460% | 5,642 |
| Cash dividends to net income (ytd only)* | 33.0370% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1973% | 5,580 |
| Loan loss allowance to noncurrent loans | 33.5430% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 1.1718% | 1,267 |
| Noncurrent loans to loans | 0.5883% | 2,749 |
| Net loans and leases to total assets | 83.9974% | 443 |
| Net loans and leases to deposits | 112.7582% | 195 |
| Net loans and leases to core deposits | 132.1618% | 299 |
| Total domestic deposits to total assets | 74.4933% | 5,139 |
| Equity capital to assets | 6.5178% | 5,613 |
| Core capital (leverage) ratio | 6.2870% | 5,626 |
| Tier 1 risk-based capital ratio | 17.3048% | 1,995 |
| Total risk-based capital ratio | 18.4688% | 1,973 |
| Memoranda: | ||
| Average total assets | $170,264,600 | 3,243 |
| Average earning assets | $155,336,200 | 3,253 |
| Average equity | $11,551,600 | 4,218 |
| Average total loans | $141,977,400 | 2,749 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4205% | 290 |
| Cost of funding earning assets | 0.8225% | 507 |
| Net interest margin | 4.5981% | 487 |
| Noninterest income to average assets | 34.4339% | 33 |
| Noninterest expense to average assets | 38.7644% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.2292% | 5,587 |
| Return on assets (ROA) | -0.2292% | 5,587 |
| Pretax return on assets | -0.1385% | 5,563 |
| Return on Equity (ROE) | -3.3392% | 5,613 |
| Retained earnings to average equity (ytd only) | -5.0974% | 5,547 |
| Net charge-offs to loans | 0.0604% | 2,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -2.7582% | 3,741 |
| Efficiency ratio | 100.3585% | 172 |
| Assets per employee ($millions) | 0.4388% | 5,707 |
| Cash dividends to net income (ytd only)* | -52.6503% | 5,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1665% | 5,657 |
| Loan loss allowance to noncurrent loans | 14.1914% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 1.0662% | 1,573 |
| Noncurrent loans to loans | 1.1732% | 1,638 |
| Net loans and leases to total assets | 88.0756% | 151 |
| Net loans and leases to deposits | 114.1230% | 178 |
| Net loans and leases to core deposits | 128.9649% | 358 |
| Total domestic deposits to total assets | 77.1760% | 4,851 |
| Equity capital to assets | 5.7001% | 5,705 |
| Core capital (leverage) ratio | 6.2283% | 5,691 |
| Tier 1 risk-based capital ratio | 16.0953% | 2,461 |
| Total risk-based capital ratio | 17.1508% | 2,478 |
| Memoranda: | ||
| Average total assets | $164,659,000 | 3,327 |
| Average earning assets | $150,116,750 | 3,351 |
| Average equity | $11,299,750 | 4,297 |
| Average total loans | $136,928,750 | 2,842 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4119% | 273 |
| Cost of funding earning assets | 0.7377% | 729 |
| Net interest margin | 4.6742% | 410 |
| Noninterest income to average assets | 35.3630% | 29 |
| Noninterest expense to average assets | 40.9318% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -1.4547% | 5,747 |
| Return on assets (ROA) | -1.4547% | 5,747 |
| Pretax return on assets | -1.3370% | 5,735 |
| Return on Equity (ROE) | -19.6909% | 5,753 |
| Retained earnings to average equity (ytd only) | -21.0156% | 5,724 |
| Net charge-offs to loans | 0.1586% | 1,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -10.4227% | 3,478 |
| Efficiency ratio | 103.3766% | 154 |
| Assets per employee ($millions) | 0.4234% | 5,758 |
| Cash dividends to net income (ytd only)* | -6.7273% | 5,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1700% | 5,707 |
| Loan loss allowance to noncurrent loans | 16.3090% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 0.9592% | 1,827 |
| Noncurrent loans to loans | 1.0422% | 1,887 |
| Net loans and leases to total assets | 80.9193% | 819 |
| Net loans and leases to deposits | 103.9937% | 498 |
| Net loans and leases to core deposits | 117.0440% | 681 |
| Total domestic deposits to total assets | 77.8117% | 4,844 |
| Equity capital to assets | 5.6646% | 5,753 |
| Core capital (leverage) ratio | 7.2850% | 5,681 |
| Tier 1 risk-based capital ratio | 19.1390% | 1,565 |
| Total risk-based capital ratio | 20.1977% | 1,559 |
| Memoranda: | ||
| Average total assets | $151,237,000 | 3,506 |
| Average earning assets | $136,921,000 | 3,538 |
| Average equity | $11,172,670 | 4,330 |
| Average total loans | $122,308,330 | 3,061 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2747% | 93 |
| Cost of funding earning assets | 0.7237% | 747 |
| Net interest margin | 5.5510% | 106 |
| Noninterest income to average assets | 35.5346% | 29 |
| Noninterest expense to average assets | 45.2462% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -4.7208% | 5,845 |
| Return on assets (ROA) | -4.7208% | 5,845 |
| Pretax return on assets | -4.7208% | 5,845 |
| Return on Equity (ROE) | -54.4883% | 5,845 |
| Retained earnings to average equity (ytd only) | -57.1100% | 5,828 |
| Net charge-offs to loans | 0.5209% | 348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -11.2263% | 2,917 |
| Efficiency ratio | 111.6489% | 112 |
| Assets per employee ($millions) | 0.2808% | 5,838 |
| Cash dividends to net income (ytd only)* | -4.8114% | 5,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2011% | 5,776 |
| Loan loss allowance to noncurrent loans | 50.6726% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 0.5422% | 3,063 |
| Noncurrent loans to loans | 0.3968% | 3,676 |
| Net loans and leases to total assets | 86.6509% | 179 |
| Net loans and leases to deposits | 109.3820% | 229 |
| Net loans and leases to core deposits | 125.3884% | 333 |
| Total domestic deposits to total assets | 79.2186% | 4,788 |
| Equity capital to assets | 8.1059% | 5,467 |
| Core capital (leverage) ratio | 8.3956% | 5,312 |
| Tier 1 risk-based capital ratio | 22.5987% | 1,025 |
| Total risk-based capital ratio | 23.8074% | 1,005 |
| Memoranda: | ||
| Average total assets | $130,318,000 | 3,835 |
| Average earning assets | $117,168,500 | 3,891 |
| Average equity | $11,290,500 | 4,336 |
| Average total loans | $105,212,000 | 3,314 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1742% | 432 |
| Cost of funding earning assets | 0.7182% | 751 |
| Net interest margin | 4.4560% | 675 |
| Noninterest income to average assets | 51.2083% | 22 |
| Noninterest expense to average assets | 52.5086% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.6978% | 108 |
| Return on assets (ROA) | 2.6978% | 110 |
| Pretax return on assets | 2.7518% | 145 |
| Return on Equity (ROE) | 35.7031% | 21 |
| Retained earnings to average equity (ytd only) | 34.2428% | 10 |
| Net charge-offs to loans | 0.0173% | 3,723 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 206.4444% | 335 |
| Efficiency ratio | 95.0202% | 344 |
| Assets per employee ($millions) | 0.2639% | 5,896 |
| Cash dividends to net income (ytd only)* | 4.0900% | 4,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3703% | 5,757 |
| Loan loss allowance to noncurrent loans | 110.6707% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 3,481 |
| Noncurrent loans to loans | 0.3346% | 3,940 |
| Net loans and leases to total assets | 74.4469% | 1,776 |
| Net loans and leases to deposits | 84.6715% | 2,340 |
| Net loans and leases to core deposits | 95.8407% | 1,935 |
| Total domestic deposits to total assets | 87.9244% | 1,666 |
| Equity capital to assets | 9.2145% | 4,567 |
| Core capital (leverage) ratio | 8.1232% | 5,545 |
| Tier 1 risk-based capital ratio | 25.1891% | 756 |
| Total risk-based capital ratio | 26.2333% | 760 |
| Memoranda: | ||
| Average total assets | $135,036,800 | 3,756 |
| Average earning assets | $122,801,800 | 3,779 |
| Average equity | $10,203,600 | 4,538 |
| Average total loans | $104,053,600 | 3,312 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7089% | 1,045 |
| Cost of funding earning assets | 0.6764% | 920 |
| Net interest margin | 4.0325% | 1,573 |
| Noninterest income to average assets | 52.0360% | 21 |
| Noninterest expense to average assets | 52.6546% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 3.0695% | 84 |
| Return on assets (ROA) | 3.0695% | 86 |
| Pretax return on assets | 3.0695% | 120 |
| Return on Equity (ROE) | 42.8919% | 16 |
| Retained earnings to average equity (ytd only) | 41.8782% | 6 |
| Net charge-offs to loans | -0.0568% | 5,406 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4917% | 368 |
| Assets per employee ($millions) | 0.3166% | 5,959 |
| Cash dividends to net income (ytd only)* | 2.3634% | 3,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2861% | 5,863 |
| Loan loss allowance to noncurrent loans | 133.1250% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.3357% | 4,062 |
| Noncurrent loans to loans | 0.2149% | 4,500 |
| Net loans and leases to total assets | 86.5159% | 215 |
| Net loans and leases to deposits | 105.9091% | 377 |
| Net loans and leases to core deposits | 115.3100% | 680 |
| Total domestic deposits to total assets | 81.6889% | 4,043 |
| Equity capital to assets | 6.8061% | 5,903 |
| Core capital (leverage) ratio | 7.6096% | 5,809 |
| Tier 1 risk-based capital ratio | 18.1751% | 1,865 |
| Total risk-based capital ratio | 18.8356% | 2,009 |
| Memoranda: | ||
| Average total assets | $136,002,500 | 3,751 |
| Average earning assets | $124,385,500 | 3,771 |
| Average equity | $9,732,750 | 4,668 |
| Average total loans | $105,562,500 | 3,294 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4663% | 1,623 |
| Cost of funding earning assets | 0.6562% | 1,023 |
| Net interest margin | 3.8101% | 2,270 |
| Noninterest income to average assets | 52.6284% | 21 |
| Noninterest expense to average assets | 54.0139% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.0848% | 293 |
| Return on assets (ROA) | 2.0848% | 306 |
| Pretax return on assets | 2.0848% | 482 |
| Return on Equity (ROE) | 28.4897% | 54 |
| Retained earnings to average equity (ytd only) | 28.4897% | 23 |
| Net charge-offs to loans | -0.1054% | 5,642 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2837% | 334 |
| Assets per employee ($millions) | 0.2356% | 6,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3646% | 5,902 |
| Loan loss allowance to noncurrent loans | 24.9129% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 1.2589% | 1,620 |
| Noncurrent loans to loans | 1.4634% | 1,506 |
| Net loans and leases to total assets | 74.6202% | 1,713 |
| Net loans and leases to deposits | 82.6290% | 2,635 |
| Net loans and leases to core deposits | 90.3761% | 2,502 |
| Total domestic deposits to total assets | 90.3075% | 384 |
| Equity capital to assets | 6.3053% | 5,999 |
| Core capital (leverage) ratio | 7.4870% | 5,884 |
| Tier 1 risk-based capital ratio | 16.0839% | 2,601 |
| Total risk-based capital ratio | 16.7768% | 2,790 |
| Memoranda: | ||
| Average total assets | $124,138,330 | 3,976 |
| Average earning assets | $113,068,670 | 3,996 |
| Average equity | $9,084,000 | 4,828 |
| Average total loans | $91,122,330 | 3,587 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4518% | 1,651 |
| Cost of funding earning assets | 0.6237% | 1,193 |
| Net interest margin | 3.8280% | 2,192 |
| Noninterest income to average assets | 49.9447% | 22 |
| Noninterest expense to average assets | 53.0214% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4125% | 4,957 |
| Return on assets (ROA) | 0.4125% | 5,031 |
| Pretax return on assets | 0.4125% | 5,283 |
| Return on Equity (ROE) | 5.1196% | 4,429 |
| Retained earnings to average equity (ytd only) | 5.1196% | 2,860 |
| Net charge-offs to loans | -0.3134% | 5,940 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2281% | 312 |
| Assets per employee ($millions) | 0.2094% | 6,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4659% | 5,899 |
| Loan loss allowance to noncurrent loans | 25.6381% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 1.6563% | 1,184 |
| Noncurrent loans to loans | 1.8173% | 1,222 |
| Net loans and leases to total assets | 78.9840% | 954 |
| Net loans and leases to deposits | 90.6214% | 1,501 |
| Net loans and leases to core deposits | 101.8576% | 1,352 |
| Total domestic deposits to total assets | 87.1582% | 2,124 |
| Equity capital to assets | 7.2992% | 5,982 |
| Core capital (leverage) ratio | 8.9696% | 4,897 |
| Tier 1 risk-based capital ratio | 14.9660% | 3,175 |
| Total risk-based capital ratio | 15.7183% | 3,347 |
| Memoranda: | ||
| Average total assets | $107,647,000 | 4,311 |
| Average earning assets | $98,118,000 | 4,339 |
| Average equity | $8,672,500 | 4,924 |
| Average total loans | $77,847,000 | 3,922 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2787% | 2,285 |
| Cost of funding earning assets | 0.6593% | 1,023 |
| Net interest margin | 3.6193% | 3,060 |
| Noninterest income to average assets | 19.4404% | 42 |
| Noninterest expense to average assets | 21.7673% | 35 |
| Loan and lease loss provision to assets | 0.0912% | 2,478 |
| Net operating income to assets | 0.9136% | 2,797 |
| Return on assets (ROA) | 0.8849% | 3,038 |
| Pretax return on assets | 0.8849% | 3,907 |
| Return on Equity (ROE) | 11.7833% | 1,363 |
| Retained earnings to average equity (ytd only) | 11.7833% | 274 |
| Net charge-offs to loans | 0.1389% | 1,964 |
| Credit loss provision to net charge-offs | 95.5556% | 2,645 |
| Earnings coverage of net charge-offs (x) | 10.5222% | 2,674 |
| Efficiency ratio | 95.5876% | 418 |
| Assets per employee ($millions) | 0.4811% | 6,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6263% | 5,762 |
| Loan loss allowance to noncurrent loans | 13.1108% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 3.3025% | 374 |
| Noncurrent loans to loans | 4.7773% | 213 |
| Net loans and leases to total assets | 63.1330% | 3,392 |
| Net loans and leases to deposits | 71.2393% | 3,794 |
| Net loans and leases to core deposits | 83.8135% | 2,981 |
| Total domestic deposits to total assets | 88.6211% | 1,325 |
| Equity capital to assets | 9.0018% | 5,119 |
| Core capital (leverage) ratio | 9.7144% | 3,888 |
| Tier 1 risk-based capital ratio | 18.2060% | 1,906 |
| Total risk-based capital ratio | 19.0051% | 1,987 |
| Memoranda: | ||
| Average total assets | $94,247,000 | 4,577 |
| Average earning assets | $86,756,200 | 4,569 |
| Average equity | $7,077,800 | 5,229 |
| Average total loans | $64,810,400 | 4,237 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2458% | 2,422 |
| Cost of funding earning assets | 0.6672% | 992 |
| Net interest margin | 3.5785% | 3,243 |
| Noninterest income to average assets | 19.8862% | 43 |
| Noninterest expense to average assets | 22.1970% | 38 |
| Loan and lease loss provision to assets | 0.0710% | 2,759 |
| Net operating income to assets | 0.9090% | 2,921 |
| Return on assets (ROA) | 0.8707% | 3,168 |
| Pretax return on assets | 0.8707% | 4,090 |
| Return on Equity (ROE) | 12.2123% | 1,315 |
| Retained earnings to average equity (ytd only) | 12.2123% | 343 |
| Net charge-offs to loans | 0.1216% | 1,910 |
| Credit loss provision to net charge-offs | 83.3333% | 2,559 |
| Earnings coverage of net charge-offs (x) | 11.4998% | 2,479 |
| Efficiency ratio | 95.7715% | 422 |
| Assets per employee ($millions) | 0.6483% | 6,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7287% | 5,664 |
| Loan loss allowance to noncurrent loans | 13.3976% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 3.2279% | 437 |
| Noncurrent loans to loans | 5.4389% | 171 |
| Net loans and leases to total assets | 53.9786% | 4,569 |
| Net loans and leases to deposits | 60.5193% | 4,818 |
| Net loans and leases to core deposits | 69.3085% | 4,438 |
| Total domestic deposits to total assets | 89.1922% | 920 |
| Equity capital to assets | 8.9006% | 5,392 |
| Core capital (leverage) ratio | 8.7234% | 5,324 |
| Tier 1 risk-based capital ratio | 19.6854% | 1,627 |
| Total risk-based capital ratio | 20.5580% | 1,672 |
| Memoranda: | ||
| Average total assets | $93,872,000 | 4,637 |
| Average earning assets | $86,327,250 | 4,631 |
| Average equity | $6,692,500 | 5,368 |
| Average total loans | $65,805,750 | 4,246 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4592% | 1,659 |
| Cost of funding earning assets | 0.6605% | 1,047 |
| Net interest margin | 3.7987% | 2,316 |
| Noninterest income to average assets | 21.8962% | 41 |
| Noninterest expense to average assets | 24.1373% | 35 |
| Loan and lease loss provision to assets | 0.1068% | 2,051 |
| Net operating income to assets | 1.1537% | 1,766 |
| Return on assets (ROA) | 1.0960% | 2,067 |
| Pretax return on assets | 1.0960% | 3,190 |
| Return on Equity (ROE) | 16.7775% | 514 |
| Retained earnings to average equity (ytd only) | 16.7775% | 131 |
| Net charge-offs to loans | 0.1218% | 1,791 |
| Credit loss provision to net charge-offs | 116.2791% | 1,853 |
| Earnings coverage of net charge-offs (x) | 13.7209% | 2,106 |
| Efficiency ratio | 95.0370% | 478 |
| Assets per employee ($millions) | 0.6211% | 6,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4581% | 6,125 |
| Loan loss allowance to noncurrent loans | 11.7930% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 3.4723% | 419 |
| Noncurrent loans to loans | 3.8841% | 408 |
| Net loans and leases to total assets | 82.6240% | 503 |
| Net loans and leases to deposits | 92.2716% | 1,342 |
| Net loans and leases to core deposits | 105.3278% | 1,106 |
| Total domestic deposits to total assets | 89.5443% | 878 |
| Equity capital to assets | 6.1366% | 6,265 |
| Core capital (leverage) ratio | 6.2837% | 6,260 |
| Tier 1 risk-based capital ratio | 11.7075% | 5,334 |
| Total risk-based capital ratio | 12.4291% | 5,550 |
| Memoranda: | ||
| Average total assets | $93,614,330 | 4,686 |
| Average earning assets | $86,292,670 | 4,670 |
| Average equity | $6,115,330 | 5,524 |
| Average total loans | $70,586,670 | 4,145 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2037% | 2,444 |
| Cost of funding earning assets | 0.6271% | 1,251 |
| Net interest margin | 3.5766% | 3,095 |
| Noninterest income to average assets | 20.4702% | 41 |
| Noninterest expense to average assets | 22.1491% | 35 |
| Loan and lease loss provision to assets | 0.2250% | 777 |
| Net operating income to assets | 1.3818% | 1,064 |
| Return on assets (ROA) | 1.3683% | 1,158 |
| Pretax return on assets | 1.3683% | 2,004 |
| Return on Equity (ROE) | 20.2346% | 260 |
| Retained earnings to average equity (ytd only) | 20.2346% | 101 |
| Net charge-offs to loans | 0.1458% | 1,369 |
| Credit loss provision to net charge-offs | 217.3913% | 1,000 |
| Earnings coverage of net charge-offs (x) | 15.5217% | 1,620 |
| Efficiency ratio | 93.2361% | 632 |
| Assets per employee ($millions) | 0.6551% | 6,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5334% | 6,142 |
| Loan loss allowance to noncurrent loans | 10.0512% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 4.2891% | 327 |
| Noncurrent loans to loans | 5.3069% | 232 |
| Net loans and leases to total assets | 75.6648% | 1,257 |
| Net loans and leases to deposits | 85.4098% | 1,904 |
| Net loans and leases to core deposits | 98.4066% | 1,442 |
| Total domestic deposits to total assets | 88.5903% | 1,503 |
| Equity capital to assets | 6.0304% | 6,335 |
| Core capital (leverage) ratio | 7.7345% | 6,048 |
| Tier 1 risk-based capital ratio | 12.2696% | 5,065 |
| Total risk-based capital ratio | 13.0951% | 5,231 |
| Memoranda: | ||
| Average total assets | $88,870,500 | 4,838 |
| Average earning assets | $81,642,500 | 4,825 |
| Average equity | $6,009,500 | 5,594 |
| Average total loans | $63,090,500 | 4,392 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2338% | 2,837 |
| Cost of funding earning assets | 0.8724% | 455 |
| Net interest margin | 3.3614% | 4,367 |
| Noninterest income to average assets | 9.2818% | 72 |
| Noninterest expense to average assets | 14.9304% | 49 |
| Loan and lease loss provision to assets | 0.3202% | 622 |
| Net operating income to assets | -2.9181% | 6,476 |
| Return on assets (ROA) | -2.7446% | 6,475 |
| Pretax return on assets | -2.7446% | 6,472 |
| Return on Equity (ROE) | -39.6828% | 6,477 |
| Retained earnings to average equity (ytd only) | -39.6828% | 6,474 |
| Net charge-offs to loans | 2.1467% | 85 |
| Credit loss provision to net charge-offs | 26.4933% | 3,895 |
| Earnings coverage of net charge-offs (x) | -2.1493% | 4,840 |
| Efficiency ratio | 117.0144% | 145 |
| Assets per employee ($millions) | 0.5047% | 6,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7866% | 5,809 |
| Loan loss allowance to noncurrent loans | 10.4280% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 5.1808% | 256 |
| Noncurrent loans to loans | 7.5436% | 125 |
| Net loans and leases to total assets | 63.7189% | 3,258 |
| Net loans and leases to deposits | 74.2848% | 3,401 |
| Net loans and leases to core deposits | 90.2530% | 2,253 |
| Total domestic deposits to total assets | 85.7765% | 2,956 |
| Equity capital to assets | 7.7370% | 6,163 |
| Core capital (leverage) ratio | 7.7636% | 6,111 |
| Tier 1 risk-based capital ratio | 13.1816% | 4,600 |
| Total risk-based capital ratio | 14.0494% | 4,771 |
| Memoranda: | ||
| Average total assets | $85,878,200 | 4,924 |
| Average earning assets | $77,943,800 | 4,925 |
| Average equity | $5,939,600 | 5,633 |
| Average total loans | $48,353,000 | 4,869 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0578% | 3,529 |
| Cost of funding earning assets | 0.8842% | 457 |
| Net interest margin | 3.1736% | 5,049 |
| Noninterest income to average assets | 8.0077% | 80 |
| Noninterest expense to average assets | 13.0949% | 53 |
| Loan and lease loss provision to assets | 0.3020% | 650 |
| Net operating income to assets | -2.5112% | 6,547 |
| Return on assets (ROA) | -2.2862% | 6,540 |
| Pretax return on assets | -2.2862% | 6,533 |
| Return on Equity (ROE) | -33.9235% | 6,546 |
| Retained earnings to average equity (ytd only) | -33.9235% | 6,542 |
| Net charge-offs to loans | 2.5446% | 62 |
| Credit loss provision to net charge-offs | 21.7391% | 3,565 |
| Earnings coverage of net charge-offs (x) | -1.5902% | 4,545 |
| Efficiency ratio | 120.2941% | 129 |
| Assets per employee ($millions) | 0.6262% | 6,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 5,500 |
| Loan loss allowance to noncurrent loans | 11.3739% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 5.2605% | 306 |
| Noncurrent loans to loans | 8.1740% | 119 |
| Net loans and leases to total assets | 59.6963% | 3,841 |
| Net loans and leases to deposits | 66.5674% | 4,274 |
| Net loans and leases to core deposits | 79.0639% | 3,431 |
| Total domestic deposits to total assets | 89.6780% | 886 |
| Equity capital to assets | 8.9162% | 5,445 |
| Core capital (leverage) ratio | 7.6921% | 6,219 |
| Tier 1 risk-based capital ratio | 14.3272% | 4,006 |
| Total risk-based capital ratio | 15.3089% | 4,109 |
| Memoranda: | ||
| Average total assets | $88,296,500 | 4,934 |
| Average earning assets | $80,074,250 | 4,943 |
| Average equity | $5,950,500 | 5,688 |
| Average total loans | $48,205,750 | 4,927 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8308% | 4,407 |
| Cost of funding earning assets | 0.8682% | 506 |
| Net interest margin | 2.9625% | 5,604 |
| Noninterest income to average assets | 6.5704% | 93 |
| Noninterest expense to average assets | 11.6343% | 61 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -2.3715% | 6,609 |
| Return on assets (ROA) | -2.0485% | 6,594 |
| Pretax return on assets | -2.0485% | 6,585 |
| Return on Equity (ROE) | -33.3726% | 6,615 |
| Retained earnings to average equity (ytd only) | -33.3726% | 6,597 |
| Net charge-offs to loans | 1.2998% | 232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -3.4403% | 4,277 |
| Efficiency ratio | 125.6026% | 119 |
| Assets per employee ($millions) | 0.7046% | 6,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 2,854 |
| Loan loss allowance to noncurrent loans | 19.0805% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 5.3150% | 320 |
| Noncurrent loans to loans | 7.9104% | 136 |
| Net loans and leases to total assets | 62.4975% | 3,325 |
| Net loans and leases to deposits | 72.2041% | 3,548 |
| Net loans and leases to core deposits | 81.2874% | 3,063 |
| Total domestic deposits to total assets | 86.5568% | 2,729 |
| Equity capital to assets | 8.5933% | 5,722 |
| Core capital (leverage) ratio | 8.1570% | 5,973 |
| Tier 1 risk-based capital ratio | 15.5599% | 3,325 |
| Total risk-based capital ratio | 16.8174% | 3,272 |
| Memoranda: | ||
| Average total assets | $92,262,000 | 4,867 |
| Average earning assets | $83,847,670 | 4,872 |
| Average equity | $5,663,330 | 5,788 |
| Average total loans | $48,929,000 | 4,930 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5569% | 5,281 |
| Cost of funding earning assets | 0.9089% | 428 |
| Net interest margin | 2.6480% | 6,177 |
| Noninterest income to average assets | 4.5402% | 130 |
| Noninterest expense to average assets | 10.0271% | 74 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -3.0843% | 6,692 |
| Return on assets (ROA) | -2.8697% | 6,687 |
| Pretax return on assets | -2.8697% | 6,682 |
| Return on Equity (ROE) | -57.1728% | 6,697 |
| Retained earnings to average equity (ytd only) | -57.1728% | 6,680 |
| Net charge-offs to loans | 2.1700% | 112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -2.9438% | 3,554 |
| Efficiency ratio | 144.4242% | 76 |
| Assets per employee ($millions) | 1.0209% | 6,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0086% | 1,502 |
| Loan loss allowance to noncurrent loans | 20.4411% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 5.3007% | 369 |
| Noncurrent loans to loans | 9.8262% | 101 |
| Net loans and leases to total assets | 49.9539% | 4,917 |
| Net loans and leases to deposits | 52.9315% | 5,388 |
| Net loans and leases to core deposits | 60.2277% | 5,021 |
| Total domestic deposits to total assets | 94.3747% | 52 |
| Equity capital to assets | 5.0001% | 6,636 |
| Core capital (leverage) ratio | 4.0897% | 6,673 |
| Tier 1 risk-based capital ratio | 9.4285% | 6,558 |
| Total risk-based capital ratio | 10.6909% | 6,541 |
| Memoranda: | ||
| Average total assets | $95,062,500 | 4,837 |
| Average earning assets | $86,254,500 | 4,861 |
| Average equity | $4,771,500 | 6,054 |
| Average total loans | $45,898,000 | 5,081 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0359% | 3,961 |
| Cost of funding earning assets | 1.0185% | 408 |
| Net interest margin | 3.0174% | 5,537 |
| Noninterest income to average assets | 7.7609% | 84 |
| Noninterest expense to average assets | 11.5799% | 64 |
| Loan and lease loss provision to assets | -0.3362% | 6,694 |
| Net operating income to assets | -0.7514% | 6,556 |
| Return on assets (ROA) | -0.7152% | 6,552 |
| Pretax return on assets | -0.7152% | 6,541 |
| Return on Equity (ROE) | -13.9335% | 6,626 |
| Retained earnings to average equity (ytd only) | -13.9335% | 6,597 |
| Net charge-offs to loans | 1.1817% | 454 |
| Credit loss provision to net charge-offs | -51.4801% | 5,803 |
| Earnings coverage of net charge-offs (x) | -1.6654% | 5,306 |
| Efficiency ratio | 110.3653% | 264 |
| Assets per employee ($millions) | 1.1628% | 6,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4406% | 891 |
| Loan loss allowance to noncurrent loans | 20.4089% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 6.2887% | 295 |
| Noncurrent loans to loans | 11.9584% | 76 |
| Net loans and leases to total assets | 44.8469% | 5,597 |
| Net loans and leases to deposits | 47.5278% | 5,925 |
| Net loans and leases to core deposits | 57.3310% | 5,437 |
| Total domestic deposits to total assets | 94.3592% | 66 |
| Equity capital to assets | 5.0359% | 6,686 |
| Core capital (leverage) ratio | 4.2551% | 6,740 |
| Tier 1 risk-based capital ratio | 9.9022% | 6,541 |
| Total risk-based capital ratio | 11.1681% | 6,502 |
| Memoranda: | ||
| Average total assets | $118,981,600 | 4,296 |
| Average earning assets | $107,707,400 | 4,318 |
| Average equity | $6,107,600 | 5,792 |
| Average total loans | $65,755,200 | 4,422 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1412% | 3,596 |
| Cost of funding earning assets | 1.0284% | 429 |
| Net interest margin | 3.1128% | 5,287 |
| Noninterest income to average assets | 8.7742% | 77 |
| Noninterest expense to average assets | 12.3829% | 62 |
| Loan and lease loss provision to assets | -0.4331% | 6,817 |
| Net operating income to assets | -0.3573% | 6,548 |
| Return on assets (ROA) | -0.3107% | 6,543 |
| Pretax return on assets | -0.3107% | 6,522 |
| Return on Equity (ROE) | -6.0297% | 6,625 |
| Retained earnings to average equity (ytd only) | -6.0297% | 6,538 |
| Net charge-offs to loans | 1.3573% | 385 |
| Credit loss provision to net charge-offs | -55.7880% | 5,724 |
| Earnings coverage of net charge-offs (x) | -1.0181% | 5,016 |
| Efficiency ratio | 106.8180% | 318 |
| Assets per employee ($millions) | 1.1600% | 6,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3528% | 1,105 |
| Loan loss allowance to noncurrent loans | 19.2510% | 6,265 |
| Noncurrent assets plus other real estate owned to assets | 6.2969% | 358 |
| Noncurrent loans to loans | 12.2217% | 76 |
| Net loans and leases to total assets | 44.5581% | 5,676 |
| Net loans and leases to deposits | 47.4305% | 6,002 |
| Net loans and leases to core deposits | 56.5099% | 5,578 |
| Total domestic deposits to total assets | 93.9440% | 74 |
| Equity capital to assets | 5.1610% | 6,763 |
| Core capital (leverage) ratio | 4.4284% | 6,808 |
| Tier 1 risk-based capital ratio | 9.0730% | 6,718 |
| Total risk-based capital ratio | 10.3340% | 6,715 |
| Memoranda: | ||
| Average total assets | $123,145,500 | 4,244 |
| Average earning assets | $111,495,000 | 4,271 |
| Average equity | $6,346,250 | 5,799 |
| Average total loans | $70,434,500 | 4,285 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3688% | 2,687 |
| Cost of funding earning assets | 1.0478% | 438 |
| Net interest margin | 3.3211% | 4,480 |
| Noninterest income to average assets | 9.9914% | 70 |
| Noninterest expense to average assets | 12.9672% | 58 |
| Loan and lease loss provision to assets | -0.6315% | 6,890 |
| Net operating income to assets | 0.6630% | 4,004 |
| Return on assets (ROA) | 0.7309% | 3,826 |
| Pretax return on assets | 0.7309% | 4,573 |
| Return on Equity (ROE) | 14.1894% | 967 |
| Retained earnings to average equity (ytd only) | 14.1894% | 291 |
| Net charge-offs to loans | 1.6250% | 309 |
| Credit loss provision to net charge-offs | -64.1026% | 5,560 |
| Earnings coverage of net charge-offs (x) | 0.0321% | 4,538 |
| Efficiency ratio | 99.7571% | 492 |
| Assets per employee ($millions) | 1.1699% | 6,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9264% | 2,032 |
| Loan loss allowance to noncurrent loans | 23.1618% | 6,230 |
| Noncurrent assets plus other real estate owned to assets | 5.7439% | 490 |
| Noncurrent loans to loans | 8.3172% | 236 |
| Net loans and leases to total assets | 55.5068% | 4,375 |
| Net loans and leases to deposits | 59.3399% | 5,038 |
| Net loans and leases to core deposits | 71.0658% | 4,161 |
| Total domestic deposits to total assets | 93.5404% | 84 |
| Equity capital to assets | 5.5688% | 6,783 |
| Core capital (leverage) ratio | 4.7752% | 6,840 |
| Tier 1 risk-based capital ratio | 8.8991% | 6,763 |
| Total risk-based capital ratio | 10.1587% | 6,765 |
| Memoranda: | ||
| Average total assets | $126,688,670 | 4,213 |
| Average earning assets | $114,721,330 | 4,239 |
| Average equity | $6,526,000 | 5,804 |
| Average total loans | $76,798,330 | 4,076 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 2,565 |
| Cost of funding earning assets | 1.0672% | 434 |
| Net interest margin | 3.3206% | 4,439 |
| Noninterest income to average assets | 9.9778% | 71 |
| Noninterest expense to average assets | 12.9692% | 59 |
| Loan and lease loss provision to assets | -1.2273% | 7,000 |
| Net operating income to assets | 1.2334% | 1,425 |
| Return on assets (ROA) | 1.3653% | 1,199 |
| Pretax return on assets | 1.3653% | 1,992 |
| Return on Equity (ROE) | 27.5265% | 98 |
| Retained earnings to average equity (ytd only) | 27.5265% | 54 |
| Net charge-offs to loans | -0.0884% | 6,386 |
| Credit loss provision to net charge-offs | 2,222.2222% | 149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9527% | 545 |
| Assets per employee ($millions) | 1.2776% | 6,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6004% | 1,012 |
| Loan loss allowance to noncurrent loans | 36.4404% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 6.4758% | 463 |
| Noncurrent loans to loans | 7.1360% | 404 |
| Net loans and leases to total assets | 57.5376% | 3,840 |
| Net loans and leases to deposits | 61.3360% | 4,640 |
| Net loans and leases to core deposits | 74.2926% | 3,541 |
| Total domestic deposits to total assets | 93.8072% | 81 |
| Equity capital to assets | 5.2630% | 6,875 |
| Core capital (leverage) ratio | 4.4670% | 6,908 |
| Tier 1 risk-based capital ratio | 9.7363% | 6,730 |
| Total risk-based capital ratio | 11.0106% | 6,708 |
| Memoranda: | ||
| Average total assets | $130,370,000 | 4,175 |
| Average earning assets | $117,688,500 | 4,204 |
| Average equity | $6,466,500 | 5,875 |
| Average total loans | $81,430,000 | 3,973 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6308% | 2,876 |
| Cost of funding earning assets | 1.3587% | 296 |
| Net interest margin | 3.2721% | 5,350 |
| Noninterest income to average assets | 10.0242% | 72 |
| Noninterest expense to average assets | 12.7361% | 61 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2435% | 5,652 |
| Return on assets (ROA) | 0.2435% | 5,855 |
| Pretax return on assets | 0.2435% | 5,923 |
| Return on Equity (ROE) | 6.5248% | 3,901 |
| Retained earnings to average equity (ytd only) | 6.5248% | 1,810 |
| Net charge-offs to loans | -0.2172% | 6,942 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1243% | 628 |
| Assets per employee ($millions) | 1.2205% | 7,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6378% | 983 |
| Loan loss allowance to noncurrent loans | 41.8919% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 6.2263% | 537 |
| Noncurrent loans to loans | 6.2968% | 545 |
| Net loans and leases to total assets | 63.9199% | 2,908 |
| Net loans and leases to deposits | 67.6556% | 4,036 |
| Net loans and leases to core deposits | 80.1515% | 2,987 |
| Total domestic deposits to total assets | 94.4784% | 52 |
| Equity capital to assets | 4.6747% | 6,967 |
| Core capital (leverage) ratio | 3.9459% | 6,996 |
| Tier 1 risk-based capital ratio | 8.0083% | 6,913 |
| Total risk-based capital ratio | 9.2860% | 6,914 |
| Memoranda: | ||
| Average total assets | $141,298,600 | 3,926 |
| Average earning assets | $127,625,000 | 3,955 |
| Average equity | $5,272,200 | 6,216 |
| Average total loans | $87,029,800 | 3,824 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5572% | 3,399 |
| Cost of funding earning assets | 1.3921% | 301 |
| Net interest margin | 3.1651% | 5,784 |
| Noninterest income to average assets | 9.4737% | 75 |
| Noninterest expense to average assets | 12.5138% | 61 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.1817% | 6,488 |
| Return on assets (ROA) | -0.1817% | 6,558 |
| Pretax return on assets | -0.1817% | 6,533 |
| Return on Equity (ROE) | -5.1778% | 6,719 |
| Retained earnings to average equity (ytd only) | -5.1778% | 6,624 |
| Net charge-offs to loans | -0.3842% | 7,077 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4737% | 499 |
| Assets per employee ($millions) | 1.1082% | 7,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7127% | 967 |
| Loan loss allowance to noncurrent loans | 42.5615% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 6.5376% | 574 |
| Noncurrent loans to loans | 6.3735% | 608 |
| Net loans and leases to total assets | 62.2704% | 3,338 |
| Net loans and leases to deposits | 65.6988% | 4,504 |
| Net loans and leases to core deposits | 78.4978% | 3,394 |
| Total domestic deposits to total assets | 94.7817% | 46 |
| Equity capital to assets | 4.1668% | 7,095 |
| Core capital (leverage) ratio | 3.6599% | 7,108 |
| Tier 1 risk-based capital ratio | 7.1587% | 7,040 |
| Total risk-based capital ratio | 8.4372% | 7,039 |
| Memoranda: | ||
| Average total assets | $143,059,750 | 3,940 |
| Average earning assets | $129,197,500 | 3,957 |
| Average equity | $5,021,250 | 6,355 |
| Average total loans | $86,752,250 | 3,867 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6030% | 3,344 |
| Cost of funding earning assets | 1.4472% | 287 |
| Net interest margin | 3.1558% | 5,855 |
| Noninterest income to average assets | 8.4366% | 84 |
| Noninterest expense to average assets | 12.0119% | 65 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.7258% | 6,827 |
| Return on assets (ROA) | -0.7258% | 6,863 |
| Pretax return on assets | -0.7258% | 6,828 |
| Return on Equity (ROE) | -21.9793% | 7,053 |
| Retained earnings to average equity (ytd only) | -21.9793% | 7,031 |
| Net charge-offs to loans | -0.9473% | 7,177 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4311% | 389 |
| Assets per employee ($millions) | 1.1768% | 7,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3305% | 573 |
| Loan loss allowance to noncurrent loans | 44.4096% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 6.9760% | 563 |
| Noncurrent loans to loans | 7.4994% | 486 |
| Net loans and leases to total assets | 55.0835% | 4,614 |
| Net loans and leases to deposits | 57.6997% | 5,480 |
| Net loans and leases to core deposits | 69.7584% | 4,556 |
| Total domestic deposits to total assets | 95.4659% | 42 |
| Equity capital to assets | 3.6919% | 7,151 |
| Core capital (leverage) ratio | 3.2433% | 7,165 |
| Tier 1 risk-based capital ratio | 7.2644% | 7,078 |
| Total risk-based capital ratio | 8.5503% | 7,076 |
| Memoranda: | ||
| Average total assets | $144,939,670 | 3,922 |
| Average earning assets | $130,872,000 | 3,941 |
| Average equity | $4,786,330 | 6,452 |
| Average total loans | $86,350,330 | 3,897 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4761% | 4,014 |
| Cost of funding earning assets | 1.5048% | 281 |
| Net interest margin | 2.9713% | 6,356 |
| Noninterest income to average assets | 7.0831% | 101 |
| Noninterest expense to average assets | 11.3032% | 67 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.5459% | 7,095 |
| Return on assets (ROA) | -1.5459% | 7,104 |
| Pretax return on assets | -1.5459% | 7,083 |
| Return on Equity (ROE) | -49.4153% | 7,225 |
| Retained earnings to average equity (ytd only) | -49.4153% | 7,212 |
| Net charge-offs to loans | -1.9058% | 7,251 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.8440% | 263 |
| Assets per employee ($millions) | 1.2957% | 7,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8429% | 969 |
| Loan loss allowance to noncurrent loans | 38.8603% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 7.0340% | 607 |
| Noncurrent loans to loans | 7.3156% | 588 |
| Net loans and leases to total assets | 60.0104% | 3,663 |
| Net loans and leases to deposits | 62.6089% | 4,824 |
| Net loans and leases to core deposits | 74.5815% | 3,821 |
| Total domestic deposits to total assets | 95.8496% | 40 |
| Equity capital to assets | 3.1267% | 7,231 |
| Core capital (leverage) ratio | 2.9444% | 7,238 |
| Tier 1 risk-based capital ratio | 6.3528% | 7,164 |
| Total risk-based capital ratio | 7.6371% | 7,162 |
| Memoranda: | ||
| Average total assets | $150,329,500 | 3,867 |
| Average earning assets | $135,296,000 | 3,897 |
| Average equity | $4,703,000 | 6,513 |
| Average total loans | $91,302,500 | 3,794 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4309% | 5,306 |
| Cost of funding earning assets | 1.5497% | 586 |
| Net interest margin | 2.8811% | 6,720 |
| Noninterest income to average assets | 7.4031% | 84 |
| Noninterest expense to average assets | 11.2157% | 68 |
| Loan and lease loss provision to assets | 1.3236% | 611 |
| Net operating income to assets | -2.5150% | 7,118 |
| Return on assets (ROA) | -2.2210% | 7,082 |
| Pretax return on assets | -2.2210% | 7,069 |
| Return on Equity (ROE) | -61.2363% | 7,246 |
| Retained earnings to average equity (ytd only) | -61.2363% | 7,246 |
| Net charge-offs to loans | 4.2402% | 129 |
| Credit loss provision to net charge-offs | 62.6377% | 5,102 |
| Earnings coverage of net charge-offs (x) | -0.5638% | 6,101 |
| Efficiency ratio | 111.8849% | 401 |
| Assets per employee ($millions) | 1.3071% | 7,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3175% | 1,597 |
| Loan loss allowance to noncurrent loans | 27.1583% | 6,339 |
| Noncurrent assets plus other real estate owned to assets | 8.7402% | 422 |
| Noncurrent loans to loans | 8.5333% | 440 |
| Net loans and leases to total assets | 58.3710% | 4,305 |
| Net loans and leases to deposits | 60.7774% | 5,396 |
| Net loans and leases to core deposits | 70.6826% | 4,688 |
| Total domestic deposits to total assets | 96.0406% | 36 |
| Equity capital to assets | 3.1302% | 7,270 |
| Core capital (leverage) ratio | 3.1640% | 7,260 |
| Tier 1 risk-based capital ratio | 6.7996% | 7,168 |
| Total risk-based capital ratio | 8.0695% | 7,169 |
| Memoranda: | ||
| Average total assets | $176,182,200 | 3,394 |
| Average earning assets | $160,285,000 | 3,396 |
| Average equity | $6,390,000 | 6,043 |
| Average total loans | $87,802,000 | 3,916 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3392% | 5,817 |
| Cost of funding earning assets | 1.5609% | 689 |
| Net interest margin | 2.7782% | 6,913 |
| Noninterest income to average assets | 6.4218% | 103 |
| Noninterest expense to average assets | 10.0562% | 74 |
| Loan and lease loss provision to assets | 1.7115% | 359 |
| Net operating income to assets | -2.8117% | 7,248 |
| Return on assets (ROA) | -2.4315% | 7,209 |
| Pretax return on assets | -2.4315% | 7,197 |
| Return on Equity (ROE) | -65.1459% | 7,336 |
| Retained earnings to average equity (ytd only) | -65.1459% | 7,333 |
| Net charge-offs to loans | 5.6754% | 66 |
| Credit loss provision to net charge-offs | 63.1807% | 4,701 |
| Earnings coverage of net charge-offs (x) | -0.4061% | 5,804 |
| Efficiency ratio | 112.2839% | 390 |
| Assets per employee ($millions) | 0.9462% | 7,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2888% | 1,710 |
| Loan loss allowance to noncurrent loans | 27.2464% | 6,398 |
| Noncurrent assets plus other real estate owned to assets | 8.4409% | 496 |
| Noncurrent loans to loans | 8.4004% | 504 |
| Net loans and leases to total assets | 56.8713% | 4,704 |
| Net loans and leases to deposits | 59.3683% | 5,712 |
| Net loans and leases to core deposits | 69.9825% | 4,948 |
| Total domestic deposits to total assets | 95.7940% | 34 |
| Equity capital to assets | 3.5485% | 7,342 |
| Core capital (leverage) ratio | 3.3034% | 7,341 |
| Tier 1 risk-based capital ratio | 7.4727% | 7,219 |
| Total risk-based capital ratio | 8.6267% | 7,224 |
| Memoranda: | ||
| Average total assets | $181,667,500 | 3,325 |
| Average earning assets | $165,711,750 | 3,327 |
| Average equity | $6,780,500 | 5,973 |
| Average total loans | $86,710,500 | 3,984 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3855% | 5,749 |
| Cost of funding earning assets | 1.6056% | 680 |
| Net interest margin | 2.7799% | 6,946 |
| Noninterest income to average assets | 5.4230% | 123 |
| Noninterest expense to average assets | 8.8660% | 93 |
| Loan and lease loss provision to assets | 2.4812% | 210 |
| Net operating income to assets | -3.3802% | 7,353 |
| Return on assets (ROA) | -3.2972% | 7,347 |
| Pretax return on assets | -3.2972% | 7,338 |
| Return on Equity (ROE) | -87.1035% | 7,425 |
| Retained earnings to average equity (ytd only) | -87.1035% | 7,423 |
| Net charge-offs to loans | 7.0347% | 52 |
| Credit loss provision to net charge-offs | 78.8904% | 3,809 |
| Earnings coverage of net charge-offs (x) | -0.2859% | 5,446 |
| Efficiency ratio | 111.2847% | 456 |
| Assets per employee ($millions) | 0.9648% | 7,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3113% | 699 |
| Loan loss allowance to noncurrent loans | 46.6420% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 6.6433% | 793 |
| Noncurrent loans to loans | 7.0994% | 718 |
| Net loans and leases to total assets | 46.7324% | 6,189 |
| Net loans and leases to deposits | 48.6080% | 6,693 |
| Net loans and leases to core deposits | 55.4980% | 6,452 |
| Total domestic deposits to total assets | 96.1414% | 30 |
| Equity capital to assets | 3.4804% | 7,416 |
| Core capital (leverage) ratio | 3.1082% | 7,420 |
| Tier 1 risk-based capital ratio | 7.6887% | 7,267 |
| Total risk-based capital ratio | 8.9708% | 7,272 |
| Memoranda: | ||
| Average total assets | $187,975,670 | 3,256 |
| Average earning assets | $172,022,330 | 3,241 |
| Average equity | $7,115,670 | 5,891 |
| Average total loans | $84,040,000 | 4,093 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2751% | 6,082 |
| Cost of funding earning assets | 1.6318% | 722 |
| Net interest margin | 2.6432% | 7,084 |
| Noninterest income to average assets | 4.1491% | 157 |
| Noninterest expense to average assets | 8.3317% | 101 |
| Loan and lease loss provision to assets | 4.8748% | 65 |
| Net operating income to assets | -6.6252% | 7,517 |
| Return on assets (ROA) | -6.6252% | 7,517 |
| Pretax return on assets | -6.6252% | 7,515 |
| Return on Equity (ROE) | -168.5779% | 7,530 |
| Retained earnings to average equity (ytd only) | -168.5779% | 7,525 |
| Net charge-offs to loans | 14.1951% | 18 |
| Credit loss provision to net charge-offs | 79.8835% | 3,166 |
| Earnings coverage of net charge-offs (x) | -0.2868% | 4,727 |
| Efficiency ratio | 126.5968% | 288 |
| Assets per employee ($millions) | 1.1768% | 7,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8774% | 459 |
| Loan loss allowance to noncurrent loans | 102.2965% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 4.7129% | 1,351 |
| Noncurrent loans to loans | 3.7904% | 1,934 |
| Net loans and leases to total assets | 38.2296% | 6,892 |
| Net loans and leases to deposits | 39.6499% | 7,118 |
| Net loans and leases to core deposits | 44.8487% | 7,013 |
| Total domestic deposits to total assets | 96.4180% | 24 |
| Equity capital to assets | 3.0795% | 7,484 |
| Core capital (leverage) ratio | 3.0353% | 7,480 |
| Tier 1 risk-based capital ratio | 8.4345% | 7,264 |
| Total risk-based capital ratio | 9.7230% | 7,265 |
| Memoranda: | ||
| Average total assets | $191,270,500 | 3,229 |
| Average earning assets | $175,997,000 | 3,209 |
| Average equity | $7,517,000 | 5,769 |
| Average total loans | $82,225,500 | 4,190 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0795% | 728 |
| Cost of funding earning assets | 1.7615% | 1,334 |
| Net interest margin | 4.3180% | 1,761 |
| Noninterest income to average assets | 9.2943% | 70 |
| Noninterest expense to average assets | 13.2873% | 59 |
| Loan and lease loss provision to assets | 0.9789% | 1,652 |
| Net operating income to assets | -1.1709% | 6,776 |
| Return on assets (ROA) | -0.8217% | 6,616 |
| Pretax return on assets | -0.8217% | 6,528 |
| Return on Equity (ROE) | -15.4425% | 6,932 |
| Retained earnings to average equity (ytd only) | -15.7837% | 6,912 |
| Net charge-offs to loans | 3.2772% | 472 |
| Credit loss provision to net charge-offs | 54.8069% | 6,183 |
| Earnings coverage of net charge-offs (x) | -0.1075% | 6,224 |
| Efficiency ratio | 101.3984% | 734 |
| Assets per employee ($millions) | 1.4992% | 7,550 |
| Cash dividends to net income (ytd only)* | -2.2096% | 7,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9796% | 414 |
| Loan loss allowance to noncurrent loans | 41.2804% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 6.4083% | 888 |
| Noncurrent loans to loans | 9.6404% | 447 |
| Net loans and leases to total assets | 44.3476% | 6,687 |
| Net loans and leases to deposits | 46.8899% | 7,003 |
| Net loans and leases to core deposits | 53.1539% | 6,852 |
| Total domestic deposits to total assets | 94.5782% | 69 |
| Equity capital to assets | 4.7751% | 7,448 |
| Core capital (leverage) ratio | 4.6314% | 7,449 |
| Tier 1 risk-based capital ratio | 12.0467% | 5,430 |
| Total risk-based capital ratio | 13.2990% | 5,410 |
| Memoranda: | ||
| Average total assets | $192,762,600 | 3,189 |
| Average earning assets | $169,683,800 | 3,286 |
| Average equity | $10,257,400 | 5,059 |
| Average total loans | $105,059,400 | 3,652 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6182% | 277 |
| Cost of funding earning assets | 1.7861% | 1,476 |
| Net interest margin | 4.8321% | 629 |
| Noninterest income to average assets | 8.3896% | 77 |
| Noninterest expense to average assets | 12.8687% | 59 |
| Loan and lease loss provision to assets | 1.1635% | 1,241 |
| Net operating income to assets | -1.4557% | 7,099 |
| Return on assets (ROA) | -0.9908% | 6,942 |
| Pretax return on assets | -0.9908% | 6,856 |
| Return on Equity (ROE) | -18.1554% | 7,186 |
| Retained earnings to average equity (ytd only) | -18.5986% | 7,173 |
| Net charge-offs to loans | 3.2255% | 449 |
| Credit loss provision to net charge-offs | 63.7637% | 5,597 |
| Earnings coverage of net charge-offs (x) | -0.1602% | 6,151 |
| Efficiency ratio | 102.2304% | 677 |
| Assets per employee ($millions) | 1.2292% | 7,680 |
| Cash dividends to net income (ytd only)* | -2.4410% | 7,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2636% | 295 |
| Loan loss allowance to noncurrent loans | 44.2419% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 6.6918% | 839 |
| Noncurrent loans to loans | 9.6371% | 458 |
| Net loans and leases to total assets | 47.4019% | 6,570 |
| Net loans and leases to deposits | 50.1915% | 7,000 |
| Net loans and leases to core deposits | 56.0760% | 6,850 |
| Total domestic deposits to total assets | 94.4420% | 55 |
| Equity capital to assets | 4.9589% | 7,583 |
| Core capital (leverage) ratio | 4.7175% | 7,575 |
| Tier 1 risk-based capital ratio | 11.9546% | 5,504 |
| Total risk-based capital ratio | 13.2583% | 5,427 |
| Memoranda: | ||
| Average total assets | $192,980,000 | 3,241 |
| Average earning assets | $167,210,750 | 3,373 |
| Average equity | $10,531,000 | 5,044 |
| Average total loans | $109,167,500 | 3,618 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9558% | 164 |
| Cost of funding earning assets | 1.8416% | 1,475 |
| Net interest margin | 5.1142% | 333 |
| Noninterest income to average assets | 6.8600% | 103 |
| Noninterest expense to average assets | 11.4146% | 62 |
| Loan and lease loss provision to assets | 0.5933% | 2,407 |
| Net operating income to assets | -0.8327% | 6,877 |
| Return on assets (ROA) | -0.8358% | 6,888 |
| Pretax return on assets | -0.8358% | 6,803 |
| Return on Equity (ROE) | -14.8557% | 7,141 |
| Retained earnings to average equity (ytd only) | -15.5032% | 7,120 |
| Net charge-offs to loans | 1.6787% | 1,114 |
| Credit loss provision to net charge-offs | 59.9369% | 5,202 |
| Earnings coverage of net charge-offs (x) | -0.2419% | 5,898 |
| Efficiency ratio | 102.1421% | 731 |
| Assets per employee ($millions) | 1.3614% | 7,736 |
| Cash dividends to net income (ytd only)* | -4.3587% | 7,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9332% | 394 |
| Loan loss allowance to noncurrent loans | 74.3399% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 5.2864% | 1,190 |
| Noncurrent loans to loans | 5.2909% | 1,274 |
| Net loans and leases to total assets | 59.8253% | 5,094 |
| Net loans and leases to deposits | 63.6775% | 6,064 |
| Net loans and leases to core deposits | 69.2059% | 5,952 |
| Total domestic deposits to total assets | 93.9504% | 77 |
| Equity capital to assets | 5.5130% | 7,592 |
| Core capital (leverage) ratio | 5.0270% | 7,600 |
| Tier 1 risk-based capital ratio | 9.7988% | 7,137 |
| Total risk-based capital ratio | 11.0918% | 7,091 |
| Memoranda: | ||
| Average total assets | $192,157,330 | 3,275 |
| Average earning assets | $162,137,670 | 3,479 |
| Average equity | $10,810,670 | 4,971 |
| Average total loans | $113,299,330 | 3,550 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5084% | 354 |
| Cost of funding earning assets | 1.7649% | 2,039 |
| Net interest margin | 4.7435% | 715 |
| Noninterest income to average assets | 6.0066% | 120 |
| Noninterest expense to average assets | 10.2344% | 73 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.1456% | 6,473 |
| Return on assets (ROA) | -0.1456% | 6,551 |
| Pretax return on assets | -0.1456% | 6,502 |
| Return on Equity (ROE) | -2.5630% | 6,705 |
| Retained earnings to average equity (ytd only) | -3.8446% | 6,480 |
| Net charge-offs to loans | 0.9948% | 1,650 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.2555% | 5,187 |
| Efficiency ratio | 101.4436% | 799 |
| Assets per employee ($millions) | 1.3227% | 7,842 |
| Cash dividends to net income (ytd only)* | -50.0000% | 7,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8054% | 201 |
| Loan loss allowance to noncurrent loans | 128.5829% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 4.4676% | 1,517 |
| Noncurrent loans to loans | 3.7372% | 2,130 |
| Net loans and leases to total assets | 50.7212% | 6,402 |
| Net loans and leases to deposits | 54.0676% | 6,914 |
| Net loans and leases to core deposits | 57.6546% | 6,901 |
| Total domestic deposits to total assets | 93.8106% | 78 |
| Equity capital to assets | 5.7885% | 7,647 |
| Core capital (leverage) ratio | 5.5150% | 7,651 |
| Tier 1 risk-based capital ratio | 11.3064% | 5,846 |
| Total risk-based capital ratio | 12.5926% | 5,790 |
| Memoranda: | ||
| Average total assets | $192,254,000 | 3,333 |
| Average earning assets | $165,447,000 | 3,471 |
| Average equity | $10,924,500 | 5,001 |
| Average total loans | $110,176,500 | 3,678 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0087% | 278 |
| Cost of funding earning assets | 2.0582% | 2,690 |
| Net interest margin | 4.9505% | 496 |
| Noninterest income to average assets | 3.3293% | 204 |
| Noninterest expense to average assets | 8.6444% | 119 |
| Loan and lease loss provision to assets | 3.8613% | 369 |
| Net operating income to assets | -4.5203% | 7,682 |
| Return on assets (ROA) | -4.5203% | 7,681 |
| Pretax return on assets | -4.5203% | 7,646 |
| Return on Equity (ROE) | -47.1998% | 7,656 |
| Retained earnings to average equity (ytd only) | -47.6322% | 7,652 |
| Net charge-offs to loans | 2.7551% | 815 |
| Credit loss provision to net charge-offs | 242.6455% | 1,467 |
| Earnings coverage of net charge-offs (x) | -0.4142% | 6,639 |
| Efficiency ratio | 108.2535% | 837 |
| Assets per employee ($millions) | 2.1614% | 7,604 |
| Cash dividends to net income (ytd only)* | -0.9160% | 7,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2260% | 310 |
| Loan loss allowance to noncurrent loans | 87.7741% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 4.6805% | 1,361 |
| Noncurrent loans to loans | 4.8146% | 1,428 |
| Net loans and leases to total assets | 58.5682% | 5,562 |
| Net loans and leases to deposits | 62.5637% | 6,403 |
| Net loans and leases to core deposits | 81.3962% | 5,967 |
| Total domestic deposits to total assets | 93.6137% | 94 |
| Equity capital to assets | 5.5809% | 7,722 |
| Core capital (leverage) ratio | 5.0844% | 7,759 |
| Tier 1 risk-based capital ratio | 9.7312% | 7,074 |
| Total risk-based capital ratio | 11.0175% | 7,035 |
| Memoranda: | ||
| Average total assets | $173,880,600 | 3,535 |
| Average earning assets | $163,539,800 | 3,451 |
| Average equity | $16,652,600 | 3,744 |
| Average total loans | $100,430,600 | 3,934 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7784% | 438 |
| Cost of funding earning assets | 2.1653% | 2,574 |
| Net interest margin | 4.6130% | 971 |
| Noninterest income to average assets | 3.0300% | 222 |
| Noninterest expense to average assets | 6.2971% | 273 |
| Loan and lease loss provision to assets | 0.9529% | 2,018 |
| Net operating income to assets | 0.1189% | 5,408 |
| Return on assets (ROA) | 0.1189% | 5,467 |
| Pretax return on assets | 0.1189% | 5,484 |
| Return on Equity (ROE) | 1.1067% | 5,461 |
| Retained earnings to average equity (ytd only) | 1.1067% | 4,703 |
| Net charge-offs to loans | 0.9706% | 2,034 |
| Credit loss provision to net charge-offs | 172.9496% | 2,680 |
| Earnings coverage of net charge-offs (x) | 1.9453% | 4,357 |
| Efficiency ratio | 85.4545% | 2,131 |
| Assets per employee ($millions) | 2.3186% | 7,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 4,574 |
| Loan loss allowance to noncurrent loans | 29.2193% | 6,515 |
| Noncurrent assets plus other real estate owned to assets | 4.9082% | 1,200 |
| Noncurrent loans to loans | 4.4118% | 1,596 |
| Net loans and leases to total assets | 59.6275% | 5,641 |
| Net loans and leases to deposits | 75.2944% | 5,162 |
| Net loans and leases to core deposits | 91.8014% | 5,249 |
| Total domestic deposits to total assets | 79.1924% | 5,740 |
| Equity capital to assets | 9.1656% | 5,227 |
| Core capital (leverage) ratio | 9.1679% | 4,385 |
| Tier 1 risk-based capital ratio | 13.7450% | 3,686 |
| Total risk-based capital ratio | 14.9465% | 3,664 |
| Memoranda: | ||
| Average total assets | $168,179,000 | 3,660 |
| Average earning assets | $158,185,000 | 3,573 |
| Average equity | $18,071,500 | 3,525 |
| Average total loans | $95,468,500 | 4,105 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1057% | 6,413 |
| Cost of funding earning assets | 2.3270% | 2,250 |
| Net interest margin | 2.7786% | 7,055 |
| Noninterest income to average assets | 1.4554% | 705 |
| Noninterest expense to average assets | 3.0837% | 3,764 |
| Loan and lease loss provision to assets | 1.5620% | 1,088 |
| Net operating income to assets | -0.5757% | 6,628 |
| Return on assets (ROA) | -0.5757% | 6,639 |
| Pretax return on assets | -0.5757% | 6,503 |
| Return on Equity (ROE) | -5.0201% | 6,610 |
| Retained earnings to average equity (ytd only) | -5.0201% | 6,303 |
| Net charge-offs to loans | 1.3560% | 1,377 |
| Credit loss provision to net charge-offs | 209.0435% | 2,191 |
| Earnings coverage of net charge-offs (x) | 1.3200% | 4,534 |
| Efficiency ratio | 75.7663% | 3,731 |
| Assets per employee ($millions) | 2.9167% | 6,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5975% | 2,756 |
| Loan loss allowance to noncurrent loans | 21.9251% | 7,019 |
| Noncurrent assets plus other real estate owned to assets | 4.1148% | 1,419 |
| Noncurrent loans to loans | 7.2861% | 652 |
| Net loans and leases to total assets | 55.5722% | 6,261 |
| Net loans and leases to deposits | 69.1601% | 6,076 |
| Net loans and leases to core deposits | 85.0262% | 6,010 |
| Total domestic deposits to total assets | 80.3529% | 5,334 |
| Equity capital to assets | 9.4495% | 4,676 |
| Core capital (leverage) ratio | 10.7157% | 2,648 |
| Tier 1 risk-based capital ratio | 13.7458% | 3,661 |
| Total risk-based capital ratio | 14.9964% | 3,595 |
| Memoranda: | ||
| Average total assets | $153,907,000 | 3,938 |
| Average earning assets | $144,819,330 | 3,843 |
| Average equity | $17,649,000 | 3,592 |
| Average total loans | $84,806,670 | 4,439 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3279% | 5,767 |
| Cost of funding earning assets | 2.6703% | 1,346 |
| Net interest margin | 2.6576% | 7,283 |
| Noninterest income to average assets | 1.1956% | 1,015 |
| Noninterest expense to average assets | 3.4517% | 2,229 |
| Loan and lease loss provision to assets | 2.5775% | 441 |
| Net operating income to assets | -2.3102% | 7,725 |
| Return on assets (ROA) | -2.3102% | 7,726 |
| Pretax return on assets | -2.3102% | 7,617 |
| Return on Equity (ROE) | -17.8417% | 7,704 |
| Retained earnings to average equity (ytd only) | -17.8417% | 7,576 |
| Net charge-offs to loans | 1.5272% | 946 |
| Credit loss provision to net charge-offs | 312.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 0.3236% | 4,721 |
| Efficiency ratio | 92.8110% | 1,515 |
| Assets per employee ($millions) | 10.1286% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3801% | 872 |
| Loan loss allowance to noncurrent loans | 61.5467% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 1.8384% | 3,160 |
| Noncurrent loans to loans | 3.8672% | 1,582 |
| Net loans and leases to total assets | 46.4059% | 7,163 |
| Net loans and leases to deposits | 53.7382% | 7,307 |
| Net loans and leases to core deposits | 63.1485% | 7,347 |
| Total domestic deposits to total assets | 86.3555% | 2,521 |
| Equity capital to assets | 11.9398% | 2,299 |
| Core capital (leverage) ratio | 13.5837% | 1,303 |
| Tier 1 risk-based capital ratio | 17.0963% | 2,305 |
| Total risk-based capital ratio | 18.3507% | 2,246 |
| Memoranda: | ||
| Average total assets | $133,151,500 | 4,350 |
| Average earning assets | $126,429,500 | 4,236 |
| Average equity | $17,240,500 | 3,687 |
| Average total loans | $72,029,500 | 4,907 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9694% | 5,703 |
| Cost of funding earning assets | 2.3617% | 4,887 |
| Net interest margin | 3.6077% | 4,850 |
| Noninterest income to average assets | -0.0573% | 8,185 |
| Noninterest expense to average assets | 4.5981% | 818 |
| Loan and lease loss provision to assets | 1.6203% | 805 |
| Net operating income to assets | -2.8541% | 7,788 |
| Return on assets (ROA) | -2.8541% | 7,760 |
| Pretax return on assets | -2.8541% | 7,671 |
| Return on Equity (ROE) | -12.6816% | 7,479 |
| Retained earnings to average equity (ytd only) | -12.6816% | 7,307 |
| Net charge-offs to loans | 0.7982% | 1,562 |
| Credit loss provision to net charge-offs | 309.7015% | 1,455 |
| Earnings coverage of net charge-offs (x) | -2.3582% | 6,725 |
| Efficiency ratio | 136.6731% | 421 |
| Assets per employee ($millions) | 8.1696% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 2,323 |
| Loan loss allowance to noncurrent loans | 61.6721% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 1.6105% | 3,028 |
| Noncurrent loans to loans | 2.5642% | 2,118 |
| Net loans and leases to total assets | 61.8147% | 5,648 |
| Net loans and leases to deposits | 75.5964% | 5,637 |
| Net loans and leases to core deposits | 84.4552% | 6,259 |
| Total domestic deposits to total assets | 81.7695% | 4,288 |
| Equity capital to assets | 14.2873% | 1,354 |
| Core capital (leverage) ratio | 14.2564% | 1,206 |
| Tier 1 risk-based capital ratio | 18.4989% | 1,919 |
| Total risk-based capital ratio | 19.4747% | 1,932 |
| Memoranda: | ||
| Average total assets | $76,835,800 | 5,805 |
| Average earning assets | $72,871,600 | 5,715 |
| Average equity | $17,292,800 | 3,687 |
| Average total loans | $50,360,200 | 5,691 |